![]() ![]() But recently I had the worst experience with it after signing up for the credit card.įirst, they sent me a card. State attorney generals and the department of Justice should look into this, or someone certifies federal class action against this bank and this company. If so, this is a criminal act and consumer fraud of mass proportions. In the past 3 years, I can guarantee you that the bill has been mailed before its due date every month, and I believe that the bank and Victoria’s Secret have levied late fees and interest charges every single month on this account. ![]() The bank is either holding their paper bills so that you cannot avoid a late charge, or they are holding your check and processing it after the late fee applies to justify the late fee. I’m not sure how they can justify charging me a late fee on their late fee when the account has been paid in full monthly. I paid the $35 late fee and $2 minimum interest charge and just received my new bill, and they charged me a $35 late fee and $2 minimum interest charge on the late fee and the $2 minimum interest charge they levied the month before. I had an additional $35 late fee on the next billing cycle and a $2 minimum interest charge on the account. It appears that Comenity Bank will Levy a late fee and minimum interest charge every month.ģ months ago, I received my paper bill in the mail, wrote a check, and stuck it back in the mail to be postmarked the same day it was received. I began paying more attention to the billing and not just the return receipt she gave me. She asked if I had been paying the bill, and I replied that I had and in full each month. Recently, she noticed large late fees being charged on her account monthly. My wife has had an account for over 10 years, and I handle most of her payments. Otherwise, not so much.Comenity Bank is the administrator for Victoria’s Secret Angel Cards. The Bottom Line: If you spend lots of money at Victoria’s Secret, the Victoria’s Secret credit card is probably a pretty good card to have. The Shopping Cart Trick Factor: Since this is a Comenity retail card, you should be able to take advantage of the shopping cart trick to get it without a hard pull. It looks like there are other triple point promotions as well, and the fine print on that one says, “Triple points offer cannot be combined with additional bonus reward point promotions.”Īnnual Gifts: Certain retail cards give you a bonus every year on your birthday. Does that get multiplied with the triple points bonus and bring the rewards to 24/36%? And does Victoria’s secret sell prepaid Visa gift cards? I don’t know, though I’m pretty sure the answer to the second question is “No.” AND you also get double points on all bra purchases. That works out to a rate of 4% or 6% in the highest tier.īut wait, there’s more: during your cardmember anniversary month, you get triple points! So that boosts this card to 12%/18%. For the Angel Forever card ($1,000 spent) you get $15 for every $250 spent. For both the Angel Card and the Angel VIP card (which you get by reaching $500 in spend), you get $10 for every $250 spent. Rewards: The Victoria’s Secret credit card offers different tiers based on your spending on it. $15 is less than the $500 rewards that major credit card issuers frequently offer for their products, so the pink credit card is not a winner on this count. Sign-up bonus: The Victoria’s Secret credit card gives you $15 off your next purchase. ![]() And by “a lot of readers” I mean “ Elaine in the comments last week.” So here you go, Elaine! Let’s take a look at the features, and please keep in mind that this is a store card valid only at Victoria’s Secret, not a Visa/MasterCard/Amex. Believe it or not, a lot of readers have asked me to write up the Victoria’s Secret credit card. ![]()
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