Victoria's Secret Credit Card Reviews (2024) | WalletHub (2024)

1 Star Rating

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1 Star Rating

VS deserves zero stars! They don't value long-term, good-paying customers. If you are one hour late on a payment, they charge you a late fee. This card is not worth getting, and they never waive fees. I will pay it off and then rip it up; don't get this card.

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1 Star Rating

DO NOT DO IT! STAY AWAY! Comenity Bank is out for the fees. Any bank that wants 32% interest is going to be like that. I ended up paying around $80 for a $24 piece of merchandise. They refuse to communicate with you other than through sending bills. Once you get that, you are screwed because they have already charged the fees and will not admit their mistakes nor refund any erroneous/fraudulent charges. There are other cards that give 5% cash back and are legit. Try for one of those instead.

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1 Star Rating

Comenity has entered the wrong routing number for the bank on several occasions and then charged me $25.00 for their mistake each time. Extremely unreliable and poor service from phone representatives.

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1 Star Rating

I had a VS card for about 10 years. My credit limit was $1,200. However, I kept my balance low because of the high interest rate. Payments were always on time. Then one year they reduced my credit to $800. It wasn't a problem because I rarely used it. However, my credit utilization went up. I paid extra on the card to bring it back down to 20 percent. A year later (around the holidays) they increased it again. Then another year they reduced it to $400. I don't like lenders that are prone to constantly increasing and decreasing credit when you have a good payment and low spending history. I paid them off and canceled the card. My credit score took a temporary hit because of the length of time I had the card. It reduced the overall years of credit that I have. I've since learned not to accept just any credit card offer unless it's a good, stable long-term card. I especially stay away from these store cards and just use a major credit card for purchases.

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1 Star Rating

In December, I had fraudulent charges on my account. I was transferred back and forth between two different departments, with each claiming that it was not their problem. Eventually, someone assured me it would be taken care of. A couple of weeks later, I called back to follow up. Once again, I was transferred back and forth between two different departments before a very rude agent asked me why I hadn't spoken with the fraud department. I then explained that it's not my job to direct the representatives where to send me, and the fraud department had said it was a credit card problem, but the credit card people said it was a fraud issue. Eventually, I became angry, which seemed to get things done. A month later, I received a check in the mail for a "fraud refund." I called to confirm it was legitimate and that I could cash it. I was given the okay, and they confirmed it was mine. Another month later, they sent me a bill for the check they had sent me. This company has no idea what it's doing. I would not recommend it to anyone.

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1 Star Rating

Victoria's Secret credit card is a rip-off. Even if you're a couple of minutes late with payments, they rack up a $40 late fee. They don't give customers any grace period, they don't waive late fees, and their customer service representatives are rude and unprofessional. I've been with them for years and have had an obnoxious experience. They're all about taking consumers' hard-earned money.

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1 Star Rating

Applying for this card was the worst thing I've ever done for my credit score. The sign-up stated no monthly or annual fees, but even when I didn't use the card, they added random fees to my account. I had not looked at my balance for a while because I had not used the card for months. It should have had a balance of $0, as it always has after I fully paid it. I started receiving emails that I had missed a payment, to which I had to call a representative and they removed the fees, but the late payments stayed on my credit report two years later. The only late payments on my credit in the past 10 years I've owned credit cards are from the Victoria's Secret card after their mishap. I called to fix the issue and they said I needed to wait until the full two years are up to ask for a "goodwill adjustment," which is thankfully next month. I will be immediately canceling this nightmare of a credit card once the late fees are removed.

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1 Star Rating

Awful Credit Card System, If I could give zero, I would. I should not have reapplied. I closed my card in 2015 for the same reason. First, you struggle to log in to your account. When you finally access it, you try to enter your account information to set up autopay, and it won't let you; then you manually pay it, and it doesn't go through. The next thing you know, foreign call center agents are relentlessly contacting you for a late payment; you're considered delinquent now too. I tried to pay it in full to get it over with, and the next month I have a $2 interest charge that I never thought I would have because I paid in full, right? No! Now $2 became $40 including late fees, and you are delinquent again! What a terrible experience with this company! Don't get this card; the discount is not enough to cover the late fees if you can't log in or pay online. You call, you wait on the phone forever, then talk to foreign agents who have no compassion, all giving deep sighs as though they're tired of talking to other unsatisfied customers like me. So frustrating. I'm closing this account as soon as I pay off this ridiculous $2 interest charge again; the charges never stop!

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5 Star Rating

I honestly love the community, back in its whole entirety. Very good with communication and understanding. No issues, would definitely recommend.

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