Many people don’t know that applying for a store credit card requires a hard credit check, signing off on the credit inquiry without realizing the effects it can have on their report. With the Victoria’s Secret store credit card, you get several benefits, including: One of those partners is Victoria’s Secret. Comenity Bank/VCTRSSEC On My Credit ReportĬomenity Bank is a premier producer of retail credit cards, partnering with 145 popular brands to offer credit cards to consumers. We’ll also provide the information you need to get the entry deleted if you never applied for the store’s credit card. If you applied for a Victoria’s Secret credit card, the article below will shed some light on how the application will impact your credit. While VCTRSSEC might sound unfamiliar, it represents a popular retailer: Victoria’s Secret. If so, you may be wondering how it got there and what it means for your credit score.Ī hard inquiry is simply a way for a lender to check your credit reports before approving your application. This can be sued as proof if you have any issues later.Have a hard inquiry on your credit report from Comenity Bank/VCTRSSEC? And even if you get a verbal confirmation your account is closed you should always ask for email confirmation as well. By calling the number provided above and speaking to an Angel Care member, you should be able to close your account within minutes. It’s Simple!ĭon’t let the process of closing out your Victoria’s Secret Angel card be anything but simple. This is due to the customer thinking their account was closed when in fact it never was. Fees and certain disputes actually need to be resolved with their customer service team.Īs mentioned earlier, quite a few customers have reported having had a miscommunication that resulted in late fees and ongoing account fees. This is a major credit card retailer that works with many stores as a bank provider. In cases where there is a dispute in fees or changes, you may be referred to Comenity Bank. If you are having trouble getting an Angel card in the first place then check out our blog on top websites that offer no credit check, buy now pay later options! Why Am I Being Referred to Comenity Bank? The reason being is that when you speak to a Care representative you will need to provide them with confirmation information that it is you as the account holder.īecause passwords and online usernames can be stolen and hacked this is the number one reason you can’t cancel your account online. Can I Cancel My Victoria’s Secret Credit Card Online?Īs of right now, you cannot cancel your Angel Card online. This is to further avoid late fees that may occur to miscommunication. This may include your social security number, account number, home address, among other things.Īfter they have confirmed your identity as the account holder and confirmed your zero balance, you should ask for an email and verbal receipt that the account has been closed. You will need to confirm a few different account details to be able to close your account. If you have the means to pay your bill off completely you can do so and close your account immediately afterwards. Having said that, there is no maximum amount that you can pay off at once when paying your bill. If you have a balance your account actually can’t be closed out and it can result in late fees.Ĭustomers may find this aggravating because it tacks on interest when you have a higher bill to pay down. If you want to cancel your Victoria’s Secret credit card you need to make sure you have a zero balance. Why Am I Being Referred to Comenity Bank?.Can I Cancel My Victoria’s Secret Credit Card Online?.
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