How to cancel victorias secret credit card

12 November 2017

Victoria's Secret Credit Card? Buyer Beware

How to cancel victorias secret credit card

Like most stores, the company has their own credit card which they frequently tout to customers during checkout. This one is issued by Comenity/WFNNB.

Let’s take a look at the pros and cons for the 2 cards from Victorias Secret…

  • Rewards: This credit card does offer a fairly good rewards program. They give 1 pt. per dollar at their store, online, or from their catalog (buying gift cards don’t count). For every 250 points accumulated ($250 spent) they give a $10 reward certificate . That equals a 4% rebate. For the VIP card level, bra purchases will earn double points.

  • Birthday Gift: Each year on the accountholders birthday there is a gift. The application doesn't specify what it is, but last year I heard of cardholders receiving a $10 gift card.

  • Sales/Promotions: The Victoria's Secret Angel VIP card and the standard card both give early access to some sales, special promotions, etc.

  • Approval: Is it hard to get approved for the card from VS? Not really. The credit score / history requirements are not made public, but based on feedback I've heard from people, even if you have a score in the 600's (which is fair or average) you have a good shot at approval.
The Cons For 2015:

*Note: A couple years ago, the Victorias Secret credit card charged you a $1.00 fee each and every month they mailed your paper billing statement! Fortunately, they have since discontinued that fee, so I'm happy to remove that from the "cons9quot; list.

  • High Interest Rate: Do you ever carry a balance? If you do then the Victoria’s Secret card is definitely a bad idea. The interest rate is an extremely high 24.99% at the time of this card review. That is really high and even if you just carry a balance a month or two, it just about makes the value of your rewards a wash when you consider the interest charges.

  • Limited Acceptance: You can only use the credit card to buy from Victoria's Secret , you can’t use it anywhere else. I really don’t like this because I prefer cards that allow me to earn points everywhere I shop, because then I can earn my rewards so much faster. Why would I want to bother with another card that I can only use one place? It sounds like a big hassle to me.

  • Low Credit Limits: From the customer reviews I’ve read online, the limits allegedly tend to be on the low side. Not only does this make shopping difficult, but it might also affect your credit score. Why? Because part of your score is based on what percentage of your credit limit is used. Many credit experts claim it’s best to never use more than 20% to 30% of a card’s limit. Based on that advice, that means if they were to give you a $450 credit limit, 20% would equal only $90! This is why even if you pay your bill in full each month, it's preferable to have a higher credit limit.

  • Customer Service: I read dozens of customers' feedback online and the number one recurring theme I saw was that the Comenity/WFNNB Victoria’s Secret credit card allegedly had awful customer service. I read one nightmare after another. Their website said they had an “exclusive hotline” for Angel cardmembers to “always reach customer service anytime, anywhere.” Well guess what… I had tried calling that number while researching the Victorias Secret Angel card and after pressing a zillion numbers I was given a recorded message that live credit card customer service was only available during the day, Monday through Saturday… that’s not "anytime.9quot; However in their defense, the VIP Angel credit card appears to have better service because I called after-hours and got thru to a live rep.
Conclusion:

They've improved the program compared to what was offered in the past. The rewards are pretty respectable and the VIP Angel card offers a deal on bras with its double points. However with the high APR it would be a bad choice for the ladies who don't diligently pay their card in full.

Regardless of whether you get their store card, you still need a good Visa or MasterCard for your purchases elsewhere.


How To Log In To Your Victoria’s Secret Credit Card

If you are a holder of the Victoria’s Secret Angel Card credit card issued by Comenity Bank, you can log in to your card account at https://c.comenity.net/victoriassecret/.

The login page will look like this:

How to cancel victorias secret credit card

  • If you haven’t accessed your Angel Card online previously, go here to register for online access.
  • If you’ve forgotten your Victoria’s Secret Angel credit card username or password, go here to retrieve or reset them.
  • If you are still having trouble logging in, the Victoria’s Secret credit card customer service phone number to call is 800-695-9478.


How the Victoria's Secret Credit Card Works: Benefits and Rewards (LB)

How to cancel victorias secret credit card

How to cancel victorias secret credit card

How to cancel victorias secret credit card

Victoria's Secret, a subsidiary of L Brands Inc. (NYSE: LB), has its own branded credit card called the Angel Card. Here is a discussion of the card's benefits, drawbacks and the type of consumer for whom the credit card is best suited.

The Victoria’s Secret credit card is issued by Comenity Bank and can be used for purchases online at VictoriasSecret.com or in a Victoria's Secret retail location. While the card cannot be used in any other stores, it rewards cardholders with points that accrue and can be used for money off of future purchases.

Victoria’s Secret cardholders earn rewards according to the value of their purchases, both online and in-store. Depending on the amount of money spent on a rolling 12-month period, there are three different reward tiers: Angel, Angel VIP and Angel Forever. All cardholders earn one point for each $1 of net new purchases on their Victoria's Secret credit card. Once a cardholder earns 250 points, they get a $10 Angel Reward, which counts for $10 off a future Victoria's Secret purchase.

The first tier of the Victoria's Secret credit card is the Angel card. Angel cardholders earn triple points on all bra purchases, free shipping on online purchases that include bras, and one triple-point day of their choice. In addition, Angel cardholders get a birthday gift each year the card is active.

The second tier of the Victoria's Secret credit card is the Angel VIP card. Cardholders qualify for this tier by earning 500 points on their Angel card in a rolling 12-month period. Angel VIP cardholders accrue points at the same level and rate as an Angel cardholder, but they accrue additional benefits: two triple-point days of their choice and free gifts at events throughout the year.

The top tier of the Victoria's Secret credit card is the Angel Forever card. To qualify for this card, the cardholder must earn 1,000 points on their Angel or Angel VIP credit card within a rolling 12-month period. Additional perks of being an Angel Forever cardholder include three triple-point days of the cardholder's choice and an annual thank-you gift. However, there are some caveats to these rewards. Triple-point days must be selected within 90 days of making an Angel card purchase by calling Victoria's Secret, and to qualify for free shipping with a bra purchase, the customer must use a code.

The primary benefit of having a Victoria's Secret card is that it accrues points that translate into money off of future orders, but there are some other perks, such as gifts. Therefore, this card is best suited for those who already spend money at Victoria's Secret. Consumers who do not shop at Victoria's Secret will get no use out of this credit card.

The Victoria's Secret credit card is used specifically to purchase Victoria's Secret goods, so it has no direct competitor. Competitors in terms of lingerie stores include such major department stores as Nordstrom Inc. (NYSE: JWN) and Macy's Inc. (NYSE: M). Both of these and most other department stores offer in-store credit cards.

The Victoria’s Secret credit card has a high interest rate. In July 2016, Comenity Bank and Victoria's Secret advertised the annual percentage rate (APR) of 25.24%, but noted that the rate can vary with the market based on the Prime Rate. No interest is paid if a cardholder pays off her entire balance by the due date each month, and the payment due date is at least 25 days after the close of each billing cycle. The card has no annual fee, but there are fees for late and returned payments. If a cardholder is late paying her bill, she should expect a fee of up to $37. Fees on returned payments can go as high as $25. Of course, as with any credit card, late payments made on a Victoria's Secret card can damage the cardholder's credit score. Cardholders should thoroughly read their cardholder agreements for full details.


I want to cancel my victoria secret angel credit card.?

I want to cancel my victoria secret angel credit card.?

i’ve recently signed up for one and heard so many bad comments about it. i dont want to deal with any of that so i just want to cancle it. my permanant card hasnt came in yet, so does anyone know how i can cancle it? also, this is my first credit card, so will it hurt my credit? i only signed up for it two days ago.

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I want to cancel my victoria secret angel credit card.?

i’ve recently signed up for one and heard so many bad comments about it. i dont want to deal with any of that so i just want to cancle it. my permanant card hasnt came in yet, so does anyone know how i can cancle it? also, this is my first credit card, so will it hurt my credit? i only signed up for it two days ago.

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I want to cancel my victoria secret angel credit card.?

i’ve recently signed up for one and heard so many bad comments about it. i dont want to deal with any of that so i just want to cancle it. my permanant card hasnt came in yet, so does anyone know how i can cancle it? also, this is my first credit card, so will it hurt my credit? i only signed up for it two days ago.

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I want to cancel my victoria secret angel credit card.?

i’ve recently signed up for one and heard so many bad comments about it. i dont want to deal with any of that so i just want to cancle it. my permanant card hasnt came in yet, so does anyone know how i can cancle it? also, this is my first credit card, so will it hurt my credit? i only signed up for it two days ago.

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I want to cancel my victoria secret angel credit card.?

i’ve recently signed up for one and heard so many bad comments about it. i dont want to deal with any of that so i just want to cancle it. my permanant card hasnt came in yet, so does anyone know how i can cancle it? also, this is my first credit card, so will it hurt my credit? i only signed up for it two days ago.

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How to cancel victorias secret credit card

Victoria’s Secret Angel Credit Card Login and How to Apply

Victoria’s Secret Angel Credit Card is a store-branded card and it offers numerous advantages to the cardholder when they use the angel credit card for shopping online on Victoria’s Secret. In addition, cardholders are entitled for free shipping for their online purchase. Comenity Bank issues this credit card and manages your credit account as well. Some prominent highlights of the card are

  • Zero annual fees
  • 25 reward points sign up bonus
  • One reward point on $1 spent
  • Free shipping
  • 99% APR for cash advances and purchases
  • Exclusive birthday gift to the cardholder

  • Step 1: Visit Comenity Bank Sign In page for Victoria’s Secret Angel Credit Card.

How to cancel victorias secret credit card

  • Step 2: Enter username.
  • Step 3: Enter password.
  • Step 4: Select Remember Me only while using a personal computer.
  • Step 5: Click Sign In to login.

Forgot your Victoria’s Secret Angel Credit Card User ID or Password?

  • Step 1: Locate and click Forgot your user name or password? link. This link is available below the Sign In menu.

How to cancel victorias secret credit card

  • Step 2: Enter your username or credit card account number. This number is available on the card statement you receive from Comenity Bank.
  • Step 3: Select and enter your social security number.
  • Step 4: Click Find My Account to proceed.
  • Step 5: Follow on-screen instructions on the next page to recover your forgotten username or password.

How To Apply For Victoria’s Secret Angel Credit Card?

You can apply for Angel credit card right from the above sign in page. Locate and click pink colored Apply button right below the card picture. Online application is a three-stage process. Provide requested information, accept terms and conditions, review, and submit your application.

  • Step 1: Review the terms and conditions carefully.

How to cancel victorias secret credit card

  • Step 2: Provide personal information like your full name, social security number, date of birth, and annual income.
  • Step 3: Enter contact information like billing address, email address and confirm the same, mobile phone number, and alternate phone number in the respective fields.
  • Step 4: Select to add an authorized buyer and provide the information for the same.
  • Step 5: Click Continue to proceed to the next page.

How to cancel victorias secret credit card

  • Step 6: Accept the terms and conditions. This also means that you sign the form electronically in acceptance.
  • Step 7: Click Submit button to send your application to the Comenity Bank for approval.