Victoria's Secret Credit Card
Excellent, Good, Fair
- Earning is easy – with every $1 you spend you earn a point, and the rewards keep coming with every 250 points you earn.
- $10 reward for every 250 points earned.
- $15 off your next card purchase.
- Angels always get double points on all bra purchases.
- Early access to the Semi-Annual Sale.
- Angel Forever status when you earn just 1000 points.
- Angel VIP and Angel Forever cardholders get triple points at purchasing events throughout the year.
- ANNUAL FEE None
Victoria's Secret Credit Card’s Additional Info
- MAX LATE FEE $35
- MAX OVERLIMIT FEE None
- MAX PENALTY APR None
- GRACE PERIOD 25 days
- ONLINE RESPONSE No
- CASH ADVANCE RATE N/A
- CASH ADVANCE FEE N/A
- SMART CHIP No
Victoria's Secret Credit Card Reviews
What I also like is the discounts that you receive. I swear, i have gotten so many free underwear coupons in the mail lately I have been giving them to friends. What I like (which is an incentive) is if you purchase a bra from the store and then make a payment (or could be reversed, you would have to ask) you receive double-points, which gets you closer to the $10 off coupon. Early access to the Semi-Annual sales and so on.
I love that is card has such a low APR and is willing to work with customers. Not to mention the cute clothes of course. And perfumes.… more
So I signed up for VS Angel Card for 6 months already, and made purchases with it, but I also return some of my items of the purchases. For the 6 months period, I DID NOT receive any bill or account statement whatsoever! Not even one! Just the card the the offer book in the mail once, and that's all. So I was concerned and called them to ask about it. They said since I return the merchandise, it is automatically counted as a payment, that's why I do not need to worry about paying that month statement. The next month comes, still NO bill, I called, same answer. And I also make it clear to them that MAKE SURE to send me the bill. Because I do not want the same thing that happen to my mom to happen to me, which she signed up for a VS card 2 years ago and NEVER receive the card or the bill, but she forgot that she opened once since she didn't want to at the moment but the sale associate was very pushy. And her BANK account got closed because all of the late fees build up, which she wasn't aware of because they NEVER send anything to her. (Now, after everything happened I also find it was weird even though there is no payment dues, aren't they still required to send me my account statement???)
I know it's long and complicated, but bare with me. So after getting the same answer every time I called in trying to find out why I wasn't billed, I stopped calling, because I told them to make sure to send me the bill, and they reassure me that it is in their system, blahblahblah.... A few days ago I got a call from Comenity Bank, harassing me to pay my bill because it was past due 3 months. I told the guy from Comenity my situation and that they are the one who is responsible for not sending me mail which was required by law. He was very aggressive keep insisting that they do everything right on their part, and that he never heard of anyone having this situation, and that there is nothing I can do except for paying to balance with late fee and interest charges, because according to him, "things happen."
Why would I pay for all of that charges when it wasn't my fault! It's their responsibility to send the bill which is required by law. He keeps saying that it shows on the system that the statement is sent out monthly blahblhablha, easy for you to say anything, how can I see the proof then? Anyway, I got fed up talking to him because it wasn't going anywhere.
So I look up online to see if this happens to other people, and yup, it does happen to a lot of people actually!
So I called VS directly, told them my story, again, the girl changed her tone instantly when I bring up this matter. Got all aggressive and rude, insisting she works there for 8 years and never heard of this situation, I insist saying I DIDN'T do anything wrong therefore those charges were unfair and also told her that this does happen to a lot of people from their experiences on the internet. She paused for a moment, didn't know how to reply to that, put me on hold to talk to her supervisor, and came back to tell me that all my charges has been dropped, and that my statement is going out today. SO PLEASE, IF THIS HAPPENS TO YOU, STAND ON YOUR GROUND AND DO SHARE YOUR EXPERIENCE, THE MORE OF STORIES LIKE THIS, THE HARDER FOR THEM TO DENY THEIR UNETHICAL AND COMMITTING FRAUD BUSINESS PRACTICE! Just because they are a big company doesn't mean they can bully consumers like this! Stand up for yourself!… more
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Last updated on: Feb 26th, 2015 at 11:09 EST