Victoria's Secret Credit Card? Buyer Beware

Victoria secret credit card online payment

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.


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    Victoria’s Secret Credit Card Login to Manage Your Account

    Log into Victoria’s Secret Credit Card to manage your VS Angel Card account for online payments, pay bills, and to get much more services. Victoria’s Secret is an American, which designs, manufactures and markets women’s lingerie, underwear, women’s clothing, swimwear, footwear, fragrances, makeup and beauty products. According to statistics of 2012, Victoria’s Secret is the largest company in America selling women’s lingerie. It was founded in 1977 and is headquartered in Ohio, United States. Victoria’s Secrets has a credit card service namely Angel Card to its customers and is issued by Comenity Bank through which customers can enjoy exclusive offers and benefits. Victoria’s Secret terms its Angel card holders as ‘Angels’. The cards are of two types – Angel and Pink Angel.

    • Each dollar spent through Angel Card earns you a point.
    • After earning 250 points, Angels get $10 reward and receive a $10 gift each year if their card remains active.
    • All card holders will be informed of sales and offers and get access to the Semi-Annual Sale of Victoria’s Secret earlier.
    • You will earn triple points on purchasing a bra whole year.
    • Angel status can be upgraded to Angel VIP and Angel Forever by spending $500 and $1000 respectively after which Angels can get more benefits.
    • Angel Card holders receive free shipping on all of the orders including bra by using code JUST4ANGELS.

    Victoria’s Secret Credit Card Account Registration

    The process of applying for Angel Card and account creation is very simple, straightforward and not tricky at all. First of all, you have to go to the URL www.vsangelcard.com. Click ‘APPLY’ which is the second option on a menu at top left of the webpage. Then, you have to select the type of card whether ‘Angel’ or ‘Pink Angel’ depends upon your choice. Check the box on the respective card and then click ‘Start application’. A form will then appear on the web page in which you have to fill all the required information and agree to the terms and conditions of the issuing bank and Victoria’s Secret. After completion of application and verification process, your account will be created, and you will receive your Angel card in few days depending upon your location.

    Victoria’s Secret Credit Card Login

    After creating your Victoria’s Secret account successfully and receiving your Angel Card, you can then log in to your account to manage your account, make payments and purchases, access special offers and keep track of your earned points. For this, you have to go to the same URL for account creation and there you will find some fillable boxes in a wide grey strip on the left of the web page. Fill in the ‘Username’ and ‘Password’ and click ‘Sign in’. If you have entered the credentials correctly, you will successfully sign in to your account and manage your credit card. If you have forgotten your username or password, then you can recover it by clicking ‘Forgot your username or password?’ option above ‘Sign in’ button. To avoid such situation, there is an option of ‘Remember me’. Check the option and your username and password will be saved but use this option only on your personal device to avoid risks.


    Victoria's Secret Angel Card Payment Online

    October 9, 2009 • Online Credit Cards • by EconomyWatch

    Making a Victoria’s Secret Angel card payment online requires a checking account. Registered users can submit their checking account and routing number to set up online payments. The information gets saved for future use and can be edited or deleted at any time.

    Once a payment is made online, it takes two business days for the funds to get completely transferred. However, people paying through the ‘Pay Today’ service enjoy the privilege of making online payments on the due date itself and not get charged a late fee. Online users should go through the ‘On-line Bill Payment Access User Agreement’ for the terms and conditions of online payments.

    Victoria’s Secret Angel Card Payment Online: Pay Today Service

    The Pay Today service lets Victoria’s Secret card holders make payments even on the due date without getting charged a late fee. Payments made before midnight, EST, are submitted with the day’s date and considered on time even when the actual transfer of funds happens in two business days.

    Although this service is charged, its benefits outweigh the cost. In fact, it is the perfect tool for people getting paid on the due date. It not only prevents the late fee but also helps in maintaining a god credit history.

    Victoria’s Secret Angel Card Payment Online: Other Services

    Besides making payments, consumers can check the following information online:

    • Current account status
    • Credit limit
    • Balance
    • Available credit
    • Minimum payment amount and due date
    • Past due amount
    • Last payment amount and date posted
    • List of your authorized buyers
    • Detailed statement history

    With so many options available, online users can perform the following tasks:

    • Search for transactions
    • Submit name, address, phone, and email address changes
    • Submit authorized buyer addition requests
    • Request a credit line increase
    • Enrollment to receive e-statements
    • Consent to receive commercial emails

    Although the online service offers a lot of convenience and speed, consumers are advised to exercise a lot of caution while performing different activities online, since hacking and online frauds are on the rise. Online payments are prone to fraud and users should be extra cautious while making their Victoria’s Secret Angel card payment online.