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Thread: Victoria Secret Card

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    Veteran Member babykay26's Avatar
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    Default Victoria Secret Card

    Does anyone have an Angels Credit Card from Victoria Secret? It seems to have really good deals along with it (free panty, 10% off deals etc) and i do go there often. Do you feel you really benifit from it? Ever have a bad experience with it? It is just one more credit card to ad to the pile, but every time i go in there they always ask me if i want to open an account and i think im going to...i just want to look into it a little before hand.

  2. #2
    Senior Member Daniela's Avatar
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    Default Re: Victoria Secret Card

    No don't, I've had my card for about 8 years and never took advantage of the deals.
    The service never gave me any trouble and I've purchased a lot, but I prefer to pay cash now.
    Personally, I'd rather have a card for airline mileage points.

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    Default Re: Victoria Secret Card

    They are pushing these cards hard. I was in there today and I told her no and she still tried to push. I only buy like two bras a year there so its not worth it for me. The more open credit you have brings your rating down especially if you max it out. I also think the rate is really high too I think 20 % or higher. So I think you would save more paying cash. Unless you spend like a few grand a year and pay it off every month than it may be worth it.

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    God/dess Emily's Avatar
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    Default Re: Victoria Secret Card

    the rate is outrageous....just don't carry a balance and it's worth it

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    God/dess sxybrat07's Avatar
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    Default Re: Victoria Secret Card

    I agree with Em, NEVER carry a balance, it'll screw you. But they have good deals if you spend a good deal of money at VS's. I do, so it works out well for me But, I have an express card, and I never use it.
    I believe you Dottie and you have my support

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    Veteran Member Jenna78's Avatar
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    Default Re: Victoria Secret Card

    Wierd, I just opened one today. You can pay your balance off in the store, with cash, and still get the rewards. We'll see if I like the card.

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    Featured Member Hello_Kitty27's Avatar
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    Default Re: Victoria Secret Card

    The starting rate is kinda bad, but I've had mine since I was 18 (almost 8 years) and I've never had a problem. I started out at 17.99%, but after about 4-5 months of paying on time, I called and asked if they could lower my rate, b/c I can't afford it. They brought me down to 8.99% and they brought my Express card to 9.99% (The cards are from the same bank...since I had both cards, they took that into consideration as well). I've since made one or two late payments, and my rates went up to about 10-11%.....which is really not bad considering what some cards do to you when you mess up. I don't carry much of a balance, so it doesn't make too big a difference. I've been very happy with them.






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    Featured Member Hello_Kitty27's Avatar
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    Default Re: Victoria Secret Card

    Oh and BTW - that works with most credit cards ..... just call and ask for a lower rate, be very nice about it and explain that you will cancel your card if they can't lower it. It's worked on nearly ALL of my cards. (I currently have those two and two major cards, but I used to have a lot more...I've since paid them off)






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    Member NewGirl9's Avatar
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    Default Re: Victoria Secret Card

    I agree with the whole deal on the rates, but my VS card does seem to have a benefit that many other cards do not. I've had my card for only 2 years, and my credit limit has risen from $200 to $780 by charging minimal amounts and paying promptly. This helps with my credit used vs. Credit available ratio, which is good for your credit limit.

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