Victoria’s Secret (LB), a subsidiary of L Brands Inc., has its own credit card, called the Victoria Card. The following describes the advantages and disadvantages of the card and the types of consumers who are best suited to use a credit card. The main competitors are Gap and Lane Bryant maps.
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Where can I use the Victoria Card?
The Victoria’s Secret credit card issued by Comenity Bank can be purchased online at VictoriasSecret.com, or in person at Victoria’s Secret or PINK stores. Bath & Body Works, another hotel chain under L Brands, also accepts this payment method, although you won’t get bonus points for shopping there.
Key reminder
• Victoria’s Secret Card can be found in stores and brand websites, as well as sister companies PINK and Bath & Body Works.
• Victoria’s Secret Card is divided into three levels, depending on how much the cardholder spends each year, which will bring different benefits and advantages.
• All cardholders can earn 1 point for every dollar spent.
• Like most store cards, the “Victoria’s Secret” card works best, especially for those who regularly purchase branded products.
How Victoria Card works
Victoria’s Secret and Comenity Bank jointly issued the Victoria Card. Comenity Bank in Draper, Utah provides revolving credit lines for Victoria’s Secret customers. Victoria’s Secret cardholders receive rewards based on the value of goods purchased online and in physical stores.
Important note: Credit cards in official stores (such as Victoria) are officially called closed or disposable cards.
Rewards and benefits
There are three different reward levels: basic, silver and gold, which represent the amount spent in twelve consecutive months.
All cardholders earn a new net point for every dollar spent on their Victoria’s Secret credit card. When the cardholder earns a certain number of points, he will enter the next level.
The first layer is the basic victory card. All cardholders can earn three points on all bra purchases, free shipping on eligible purchases (over $50) and three-day points of their choice. In addition, the cardholder will receive a $10 bonus every birthday at the time of activation and a $10 bonus for future purchases.
The second layer is the silver victory card. Cardholders are eligible to use their Victoria’s Secret card to earn 250 points for 12 consecutive months to reach this level.
Silver cardholders collect points at the same level and rate as basic Victoria cardholders, and receive the same rewards and birthday gifts of $10 per year, but can receive additional benefits: $10 half birthday gifts and anniversaries Register to enjoy a 15% discount.
The top floor is the Victoria Gold Card. To qualify, cardholders must earn 500 points using their Victoria’s Secret credit card for 12 consecutive months. Other benefits of holding a gold card holder include a $15 anniversary and half birthday gift and a 20% commemorative discount.
There may be other small benefits and special occasions every month. In order to maintain this level, cardholders must spend the same amount each year; otherwise, the card will be converted to a lower level.
Learn also: How To Get A Credit Card: Everything You Should Know
Where can someone get a Victoria card?
You can apply for a Victoria Credit Card on www.TheVictoriaCreditCard.com and fill out the online application form, or you can sign in person at any Victoria’s Secret or PINK store.
You must create or log in to a VictoriasSecret.com account to activate the application of the “Victorias Secret” credit card application.
What type of credit is required for the Victoria Card?
Applicants must be at least 18 years old, have a valid government-issued photo ID and a US Social Security number, and must be a US resident with a valid mailing address.
When deciding to grant credit to potential cardholders, Comenity Bank will verify personal information and receive a copy of the consumer’s credit report.
The credit limit of the card depends on the applicant’s personal credit history and financial status. That said, retail credit cards generally seem to be easier to qualify than ordinary credit cards.
Since the Victoria Card is free, obtaining and using a card may be a way for people with poor reputation to set up a good record.
Victoria Card Terms and Conditions
Like most store credit cards, the Victoria card charges a high interest rate-in February 2021, the announced annual interest rate (APR) was 24.99%.
This is a variable interest rate, which changes with the base interest rate. If the cardholder pays off the full balance before the due date of each month, and the payment date is at least 25 days after the end of each settlement cycle, no interest is required.
Again, like most store cards, the Victoria Card does not have an annual fee, but there are late payment and refundable fees.
If the cardholder delays payment of the invoice, a fee of up to $40 should be charged. The refund rate can be as high as $25.2. Of course, as with any credit card, a late payment will hurt your score. Cardholders should read their cardholder contract carefully to obtain full details.
• Variable annual interest rate: 24.99%
• Late payment: $40
• Refund fee: USD 25
•Grace period: 25 days
Who should consider using the Victoria Card?
For consumers who regularly shop at the retailer, it makes sense to obtain a store credit card. If you have high loyalty to the PINK brand’s “Victoria’s Secret” and are looking for special discounts, then ordering a Victoria Card may be a wise choice.
You may also like: Top 5 Things to Know About the Home Depot Credit Card
Final Results
Like credit cards, the Victoria Card is only available for the following merchants: Victoria’s Secret (and its related company retailers). Although the cardholder has some small benefits and privileges, it makes them feel like a member of Victoria’s Secret family, but the biggest advantage is that he accumulates points, which means cash or discounts for future purchases.
Generally, you have a limited time to use these rewards. Therefore, this card is usually the most suitable for consumers who have previously and often spent on “Victoria’s Secret”. Those who are not loyal supporters of the brand will find that Victoria Card is very limited.
Frequently asked questions
Where can I use the Victoria Card?
The Victoria’s Secret credit card can be used in VictoriasSecret.com and all Victoria’s Secret, PINK and Bath&Body Works stores.
How do I pay for my Victoria’s Secret credit card?
You can visit www.TheVictoriaCreditCard.com or www.ThePINKCreditCard.com in the store or online and pay with the “Victoria’s Secret” credit card.
You can also pay by phone by calling (800) 695-9478 or TDD/TTY (800) 695-1788 from Monday to Saturday, from 08:00 to 21:00 Eastern Standard Time.
How do I find out how many points I have earned?
You can check the points required to earn the next reward online at www.TheVictoriaCreditCard.com or www.ThePINKCreditCard.com. To find out the total points you have earned in your account, please call (800) 695-9478 or TDD/TTY (800) 695-1788 from 08:00 to 21:00 Eastern Standard Time, Monday to Saturday.
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