Why did victoria secret decrease my credit limit

Excellent Credit, Good Credit, Fair Credit

Take $25 off when you open the card and make a purchase.

Earn 10 points with every $1 you spend. Get a $10 reward for every 2,000 points earned.

Earn 30 points on all bra purchases.

Spend $250 in a year to upgrade to Silver status and $500 in a year to upgrade to Gold status.

A $10 Birthday Reward each year your card is active. Upgrade to Gold status and get a $15 Birthday Reward.

Free Shipping on purchases of $50 or more, check code on website.

Balance Transfers Not Allowed

Victoria's Secret Credit Card Pros & Cons

$25 initial rewards bonus

Victoria's Secret Credit Card Review

The Victoria’s Secret Credit Card is a good card that’s worth it for people who frequently shop at Victoria’s Secret. The card has a $0 annual fee, rewards of 10 points per $1, and perks such as birthday bonuses and free shipping. Plus, you only need fair credit to... show more

View 718 User Reviews

cash advance fee N/A
cash advance APR N/A
foreign transaction fee N/A
smart chip Yes
max late fee $41
max overlimit fee $0
max penalty APR None
grace period 25 days

at Comenity's secure site

Can't find what you are looking for? Submit your question about Victoria's Secret Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How do I pay my Victoria's Secret bill?

How do I check my Victoria's Secret Credit Card application status?

You can check your Victoria's Secret Credit Card application status by calling the issuer's customer service department at (800) 695-9478.

Take into account that if your application is approved, you will receive your card within 7-10 business days.

How do I get instantly approved for the Victoria's Secret Credit Card?

Maria Adams, Credit Cards Moderator

You could get instantly approved for the Victoria's Secret Credit Card when you apply online or in-store. Just note that instant approval is not guaranteed. If you do not get a response right away, you will most likely receive a decision within 7-10 business days. 

Things to...

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Where can I check my Victoria's Secret Credit Card balance?

Maria Adams, Credit Cards Moderator

The easiest way you can check your Victoria's Secret Credit Card balance is online, by signing in to your account. Alternatively, you can find out your credit card's balance by calling customer service at (800) 695-9478 or the number on the back of your card.

Here's how you can...

What credit score is needed for the Victoria's Secret Credit Card?

Brianne Larch, WalletHub Credit Card Analyst

A credit score of 640+ is needed for the Victoria's Secret Credit Card; this means you need at least fair credit to get this card.

It is also worth noting that, apart from your credit score, various other factors will be taken into account for your approval....

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What's the Victoria's Secret Credit Card payment address?

Kendall Morris, Credit Cards Moderator

The Victoria's Secret Credit Card payment address is:

Comenity Bank
PO Box 650972
Dallas, TX 75265

Keep in mind that payments via regular mail take a long time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due...

How do I cancel my Victoria's Secret credit card?

Paddy Sullivan, WalletHub Credit Card Advisor

To cancel your Victoria's Secret Credit Card, call customer service at (800) 695-9478 or the number on the back of your card. Before canceling, make sure to pay down any outstanding balance you might have on your account.

Here's how to cancel your Victoria's Secret Credit Card:

...

What is the Victoria's Secret Credit Card credit limit?

thom Fotenberg, WalletHub Credit Card Analyst

The Victoria's Secret Credit Card credit limit is usually around $500 to start, according to forum posts, and some cardholders report limits as high as $5,000. The issuer does not include any specific Victoria's Secret Credit Card credit limit information in the card's terms, though.

For the most part, ...

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Is there a Victoria's Secret credit card annual fee?

Ashley Wade, WalletHub Analyst

The Victoria's Secret Credit Card annual fee is $0. In addition to its $0 annual fee, the Victoria's Secret Credit Card also offers rewards for shoppers: a $25 discount on first purchase plus 10 points for every dollar spent at Victoria's Secret Secret.

Just make sure to pay...

Can I pay my Victoria's Secret Credit Card in store?

Peter Fox, WalletHub Analyst

You can pay your Victoria's Secured Credit Card in-store. Any Victoria's Secret store should do it and your payment will usually be posted to your account immediately, so this can be a good option if you need to pay your bill as quickly as possible. 

You will not see your...

Share your insights and review the Victoria's Secret Credit Card

What's Your Rating?

Nureia

November 14, 2022 • @nureiapoonja

5 Star Rating

Verified Customer

Good card to have if you shop here
Great for gifts
Good incentives for your bday
Some stores have closed
I might not keep this card for much longer

Comment

Candy

November 12, 2022 • @candyf79

5 Star Rating

Verified Customer

I think it’s a really good credit card to have and they have really nice incentives throughout the year. Especially during the holiday season’s.

Comment

Pennie

November 6, 2022 • @pennekopelynn

5 Star Rating

Verified Customer

Great card and awesome reward program , customer service always very helpful with any issue that may arise great promo offers available and ability to earn better rewards

Comment

bernice

November 4, 2022 • @bernicet_13

1 Star Rating

Verified Customer

They will close your account, if you don't regularly use the account, and also don't report the account accurately to the credit bureaus.

Comment

Tammy

November 3, 2022 • @tammykay0909

1 Star Rating

Verified Customer

They don't report to credit bureaus! I always pay in full, yet my balance is still on my report. This was told to me by Comenity Bank.

Comment

stephanie

October 31, 2022 • @stephanieeckert2015

5 Star Rating

Verified Customer

Love having this card even though I don't use it much. I appreciate its there if I see something I want on sale and don't have the money

Comment

Wendy

October 21, 2022 • @tarantowendy

1 Star Rating

Verified Customer

I paid In full and canceled me during Covid they said my situation would be concidered during Covid and they cancelled me with a zero balance

Comment

Annette

October 12, 2022 • @ajmenot00

1 Star Rating

Verified Customer

I have yet to use this account. It has a zero balance, and always has but yet they choose to lower my credit limit, which makes no sense because all of my credit cards have been paid every month on time it’s only because I have so many credit cards that they are lowering my available credit so I’m being punished for not using the card and making my payments on time to other cards therefore I will no longer ever choose to use this car again thank you how ridiculous this country is so broken.

Comment

giualra

October 6, 2022 • @giualra

1 Star Rating

After several years with VS card, with limit $500, never late, paid on time. Sorpresily my credit limit drop to $50. I'll not use this card anymore and seeing to them close this bad card to costumer.

Comment

Mary jane

September 27, 2022 • @maryjane_himes

5 Star Rating

Verified Customer

A good credit card for me because im always buying a lot of perfumes but they have a really high interest, but i love the way theyre giving a good rewards point

Comment

Review Victoria's Secret Credit Card

Victoria's Secret Credit Card

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Why has my credit limit been reduced?

Credit card companies may lower your credit limit when your card is inactive or your credit usage seems risky. They may also cut credit lines when their overall credit portfolios need adjusting or when the economy is unstable.

What is the maximum credit limit on a Victoria Secret card?

The Victoria's Secret Credit Card credit limit is usually around $500 to start, according to forum posts, and some cardholders report limits as high as $5,000. The issuer does not include any specific Victoria's Secret Credit Card credit limit information in the card's terms, though.

Can your credit limit get decreased?

Credit card companies generally can increase or decrease credit limits, including reducing your credit limit so that you no longer have any available credit. If you no longer have any available credit, you cannot make any charges until you pay off some of your existing balance.

How do I increase my credit limit with Victoria Secret?

You can get a Victoria's Secret Credit Card credit limit increase by requesting it online or by calling (800) 695-9478. Your credit limit may also be automatically increased 6 to 9 months after opening your account.