How It Compares To Similar Cards
Compared to other brand-specific retail credit cards, the Victorias Secret card stacks up pretty well. This has a lot to do with its generous rewards not only for purchases in-store and online, but also the access to triple point days for card members. Adding in the birthday reward, welcome bonus, and the invitations to exclusive shopping events, the Angel credit card is a strong option for those who appreciate the Victorias Secret brand and shop at the store often.
However, if you dont plan to spend a significant amount at Victorias Secret or PINK stores in the U.S., other cash back credit cards may offer far better perks and flexibility on retail purchases.
Re: Just Got Approved For Victoria’s Secret Credit Card And Have A Question
I would not not pay it off as the interest is 25.9 I believe or something close.
just use it and pay in full when statement comes unless your worried about util, then pay most of the balance before the statement and then pay the remaining when statement comes.
keep in mind now that you have 1 WFFNB card, in 6 months you can probably have any WFFNB card you want… Express, Pottery Barn, West Elm, Z Gallerie, you can find a list online.
Express also will do pre-approvals if your shopping like Victoria secret did.
Downsides Of The Victorias Secret Angel Credit Card
Although the Victorias Secret Angel card offers some valuable rewards, especially to those who are loyal to the brand, downsides exist.
First, the card can only be used at Victorias Secret brands, including PINK stores in the U.S. and Bath & Body Works. Rewards are not earned on Bath & Body Works purchases, however. Additionally, the welcome bonus of $25 off your purchase isnt all that high compared to other cash back rewards credit cards.
Cardmembers also have a high variable APR, which means that carrying a balance over from one month to the next can be costly. This is fairly standard for retail or store credit cards, but if the rewards dont help offset interest charges, it may be best to look for a card with a lower APR.
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Is Torrid Owned By Lane Bryant
The owner of Talbots and Hot Topic has agreed to purchase Ann Taylor, Loft and Lane Bryant. Ann Taylor, Loft, Lane Bryant and Lou & Grey now have a new owner. Sycamore Partners is a private equity firm based in New York, which owns a number of retailers including Belk, Hot Topic, Staples, Talbots and Torrid.
Other Things To Consider
- Access To Special Sales & Status: As a Victorias Secret cardholder, you will receive not only early access to the retailers legendary semi-annual sale, but also at least one day each year during which all non-bra purchases yield 3 points per $1 spent. Just keep in mind that you have to designate so-called Triple Points Days within three months of making a purchase.Furthermore, you will have the opportunity to reach Angel VIP status after accruing 500 points and Angel Forever status after earning 1,000 points . Each status tier provides improved benefits, as you can see from the following table.
|1 Year||2 Years|
- Can Be Used At Bath & Body Works: Although its a store card, the Victoria’s Secret Credit Card isnt restricted to Victorias Secret purchases. It can also be used at Bath & Body Works, though such purchases will not earn rewards.
- Forgotten Card Convenience: If you find yourself wanting to make a Victorias Secret purchase when you dont have your Victorias Secret Card on you, dont worry. As long as you have ID, customer service will be able to locate your account and you will be free to shop.
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Secured Credit Cards For Rebuilding Credit
Secured credit cards are your best option if you have damaged credit that you’re looking to repair. These cards work differently from traditional, or unsecured, credit cards. With a secured card, you’ll put down a security deposit upfront once you’re approved for a card, and that deposit will be your credit limit. This deposit acts as an insurance policy for the bank in case you can’t pay your credit card bill. We selected two of the best secured cards below.
Register For Victorias Secret Credit Card Online Access
Youll need to register your account before you can pay your bill online. Follow these steps for desktop, tablet or mobile devices:
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Ways On How To Pay Victorias Secret Credit Card
When you make a credit card purchase from Victorias Secret, whether it be for you or your loved ones, you would need to make a payment when the time comes. Lets learn how to pay your Victorias Secret credit card bill together in four different, but easy ways.
|OUR CURRENT TOP PROMOTIONS|
A Perfect Card For A Beginner
Without a doubt, I would say that the Victoria’s Secret Angel Card was the best first card for me. I first got this card when I was eighteen right before college, and needed a card to help with building my credit score. I chose the Victoria’s Secret Angel Card because I figured since I shopped there anyways and made a decent amount of money, it would be a good first card. The rewards with this card are great for a beginner. I have accessed sales early, and you get free birthday rewards. It works in all Victoria’s Secret stores so it is convenient to have during their sales. I highly recommend this card for people looking to start working on their credit, or improving it.Customer ServiceCustomer Service is always quick to answer your questions, and there are numerous benefits to having this card.Available RatesI never paid much attention to my rates when I first got my card, but now I am more conscious of this, and the rates are decent for a store card.
What Is On A Credit Report
Category: Credit 1. Whats In Your Credit Report? | myFICO | myFICO Your credit report contains personal information, credit account history, credit inquiries and public records. This information is reported by your lenders What Does a Credit Report Include? · Personal information: Your name, including any aliases or misspellings reported
Bottom Line: Is The Victorias Secret Credit Card Right For You
The Victorias Secret Angel credit card may be a great choice for those who spend a significant amount on the brand each year. The tier options for earning rewards benefits the biggest spenders the most, but all card members receive rewards simply for shopping with the credit card. However, the high variable APR and limited use of the card outside of Victorias Secret make it a less valuable choice for those who arent loyal fans of the brand.
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How Much Should I Pay On My Credit Card To Raise My Credit Score
Keep it under 30% to avoid hurting your scores experts suggest keeping it under 7% for the best scores. The effect credit utilization has on your credit scores is a strong argument for paying off your credit card balances every monthbut its not the only one. Carrying a balance can cost you heavily in interest.
Victorias Secret Payment Due Date And Processing Time
Your Victorias Secret bill payment due date will be at least 25 days after the close of the billing cycle. Check your statement to find out your specific due date, and pay at least the minimum amount by then to avoid a late fee. To avoid interest charges, pay your entire balance on or before the payment due date.
Make an online payment before 6 p.m. to ensure that you are not charged a late fee. Note that it might take a couple of days for the payment to be debited from your bank account.
Using one of these convenient ways to pay your Victorias Secret bill will ensure your account stays in good standing so you can shop when the mood strikes.
This article has been updated with additional reporting since its original publication.
Information is accurate as of Sept. 30, 2021.
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Financial Flexibility And A Potentially Higher Credit Limit: Secured Mastercard From Capital One
The Secured Mastercard® from Capital One is another excellent option for rebuilding credit. While most secured cards only extend a credit limit equal to your initial deposit on the card, the Secured Mastercard® from Capital One offers a credit limit up to four times higher than your deposit. The card also comes with a $0 annual fee and a suite of online tools that can help you manage your account.
The one downside to this cardwhen compared to the Discover it® Secured Credit Cardis that it doesn’t earn any rewards points. The trade-off is that you may qualify for a credit limit higher than your security deposit. You’ll be required to make a $49, $99 or $200 refundable minimum security deposit. And youll need access to an authorized bank account to make your deposit.
Fees & Drawbacks Of The Vs Credit Card
All credit cards come with their share of pros and cons. So when it comes to fees, how does the VS card shake out?
|Returned Payment Fee||Up to $25|
What youll notice right off the bat is that theres no annual fee for this card. This is always a big selling point for those cards that are considered no-annual-fee credit cards but theyre hoping you dont look too much further into all the other associated fees and penalties.
For example, theyre definitely hoping youll ignore the hefty APR associated with this card. At 27.24%, youll certainly regret carrying any type of balance due to the interest youll wind up owing. Youll also get docked if you make a late payment or have a payment returned.
So how can you avoid these fees and penalties? Be a responsible cardholder.
Being a responsible cardholder involves only applying for a credit card if you can stick as strictly as possible to the following:
- Make payments on your statement each month
- Always make payments on time
- Pay off each statement balance in full
Obviously, one of the reasons many people take out a credit card is for the special financing options because they cant pay for larger purchases up front. But this is the Victorias Secret Credit Card were talking about here. The card doesnt even offer special financing, and lets be honest no one needs to put themselves in debt with hundreds of dollars worth of lingerie.
However, this card is not for you if:
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Where Can Someone Get The Victoria’s Secret Credit Card
You can apply for the Victoria’s Secret Credit Card at www.TheVictoriaCreditCard.com and complete an application form online or apply in person at any Victoria’s Secret or PINK store. You’ll need to create or sign in to your VictoriasSecret.com account to begin your application for the Victoria’s Secret credit card program.
The Complete Guide To Comenity Bank Credit Cards
Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site . To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.
Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Citi is an advertising partner.
Comenity Bank is an issuer of co-branded credit cards for retailers like BJ’s, Express, J.Crew, Ulta and Wayfair. The bank’s cards generally have no annual fees, low credit limits and lax approval requirements, making them a popular choice for people with fair to average credit. Read through for our breakdown of Comenity credit cards, or check out the full Comenity Bank store credit cards list at the bottom of the article.
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Victorias Secret Payment Due Date & Processing Time
You will need to check your statement to find out your specific due date because your Victorias Secret bill payment is due 25 days after the close of the billing cycle. To avoid a late fee, pay at least the minimum amount due by the due date. Pay your entire balance on or before the payment due day to avoid any interest charges.
To ensure that your payment posts on the same day, make your online payment, pay by phone or in store payment by 8 p.m. EDT. This will allow you to get credit on that day and avoid any late fee. The processing time will take a few days for your payment to be withdraw from your bank account.
The Credit Card Is Right For You If:
- You shop at Victoria’s Secret often
- You plan to pay off your balance in full every month
The Victoria’s Secret Angel Card, while it’s a beauty of a product inside the store, must compete with general-purpose rewards that generate points/cash back wherever they’re used.
The bottom line is that the Victoria’s Secret Angel Card is really only appropriate for people who buy from the retailer on at least a somewhat regular basis. The more frequently they do, the more savings and bonuses they’ll earn. Everyone else should consider other products for their credit needs.
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Faqs About The Victorias Secret Credit Card
1. What is the worth of Victorias Secret reward point?
The reward you get depends on the type of credit card you have. For every 250 points you earn, you earn $10 Angel reward if you are an Angle and VIP cardholder, which translates to $0.04 for each point. If you are an Angel Forever cardholder, for every point, you will earn $0.06 since you get $15 for every 250 points earned.
2. Will the Victoria Secret reward points I earn expire?
Unfortunately yes. All the Victorias Secret credit card reward points expire within 12 months of earning them. Therefore to avoid the reward points from passing you by, you should take full advantage and spend them within that period.
3. Can I use the Victoria Secret credit card at Bath & Body Works?
The good news is you can use your credit card at all Bath & Body Works stores. The bad news is you will not earn any reward points for any purchases you make in the stores, and you can also not make any online purchases at Bath & Body Works using the credit card.
4. How do I qualify for my Victorias Secret credit card?
Victorias Secret credit card is like any other therefore when you apply banks will review your credit score as well as your credit history before they can issue you with a credit card. You can improve your chances of qualifying for a Victorias Secret credit card by reducing your debt amount and paying your credit card bills on time.
5. What charges should I expect from late payments?
9. How long do online payments take?
Pay Your Victorias Secret Credit Card Via Easypay
You can also pay your Victorias Secret Credit Card online through Comenitys EasyPay system. This system is similar to the regular method of paying online, except you dont have to register for online account access. Heres how:
EasyPay is convenient when youre in a hurry, but keep in mind that you wont be able to see information about your account through this system. Instead, it just allows you quick access to make a payment.
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What Payment Methods Do You Accept
When placing an order on BathandBodyWorks.com, only one credit/debit card may be used per order. If paying with a Bath & Body Works gift card, a credit/debit card may be used for any additional balance owed. Gift cards with Visa, MasterCard or American Express logos are redeemed like a credit card and cannot be used with a second credit/debit card.
The following payment methods are accepted:
- Bath & Body Works Gift Cards with PINs
- White Barn Gift Cards with PINs
- Victoria’s Secret Credit Card
Pay Your Victorias Secret Credit Card Online
For a quick and convenient way to pay your bill, you can make your payment through the online portal. Navigate to the Victorias Secret Credit Card account center and follow these steps:
Note that it may take up to two business days for the funds to be withdrawn from your bank account. As long as you make your payment online before 6 p.m. on the due date, you wont be charged a late fee.
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