Victoria secret credit card hard to get

The shopping cart trick: how to get a credit card without a hard pull

My esteemed blogging colleague Matt recently made it clear that he’s not an expert:

I’m not an expert, I’m just a guy. Sure, I’ve done some cool things with points and miles, and yes, my finances have some neat things attached to them, but I’m not an expert…

I know a few things, but I am not the fount of all knowledge, in fact on a manufactured spending level I currently don’t do much at all, while I did put things on hold for the mortgage application I was going through, even at full steam ahead I am only doing 3-4 very basic and simple things each month as I just don’t have access to many options, and even when I do I just don’t have enough time or capacity to always practice what I preach.

I’d like to officially join Matt in the “just a guy” group. I love credit cards, I love figuring out how to maximize my rewards, and I love staying on top of the latest deals, but at the same time I have a full time job, a full-time family, and not nearly enough time to learn and do everything with credit cards, points, and miles that I would love to do.

Because of this I’ll occasionally throw out an idea which I haven’t investigated myself, and today is such a day. In last week’s post on retailer credit cards, a few commenters voiced the opinion that the rewards from retailer credit cards aren’t worth getting a hard pull. Different people can disagree on what exactly a hard pull is worth, but everybody can agree that all things being equal, it’s best not to have too many hard pulls.

There apparently is something called the “shopping cart trick” which lets you get a credit card without a hard pull. I’ve seen it mentioned in a few places as a way for people with poor credit to build up their credit file, but if it works it would also be a way for people to reap retail credit card rewards without getting too many applications for new credit on their file.

The basic principle is that you give retailers your info and then they’ll preapprove you and open a new card with no hard pull. I have no experience with this so I can’t vouch for it myself, it’s just something I stumbled upon while thinking about my next round of credit card applications.

I’ve seen little discussion about this on blogs. The best summary I’ve been able to find is on a blog called “Roots, Credit, and Life”:

  • You MUST be opted-in for promotional offers. If you don’t know what this means, click here . If you know you are opted-out, you can opt-in again here . Unless you remember opting-out, you are probably opted-in already and don’t need to worry about this. If you get credit card offers in the mail, you are opted-in for sure.
  • The trick applies only to cards issued by Comenity Bank. Comenity is a major issuer of retail store credit cards, but also issues a few Visa and Mastercard branded-cards.

This is the simple part:

  1. Go to the retailer’s website, such as http://buckle.com .
  2. At this point, I usually register or join or whatever that particular store calls it. You give them your name, email, phone number and maybe address information.
  3. Pick an item or two and add it to your shopping bag or shopping cart.
  4. Begin the checkout process. Enter your shipping address, billing address, etc. and go as far as you can before it requires you to enter your credit card information. If the trick is going to work, you will get a pop up offering you an account at some point before you have to enter payment info. ACCEPT THE OFFER.
  • If you have pop-ups blocked, you may miss the offer.
  • Once you accept the account offer, you can choose whether or not you want to proceed with using your new account to finalize your purchase. You do not have to buy any of the items in your cart once you accept the offer – you will still get the account.

You may or may not be told the credit limit on the account. I would not expect it to be high though – they are typically $500 or less. You can always request a credit limit increase once you get your card.

I don’t want to copy the whole thing, so go read the post if you’re interested in this, as there’s more there. I don’t think there will be tons of people interested, but it’s still a pretty neat trick if it works. If you’ve ever done this, please let everybody know in the comments below.

How the Victoria's Secret Credit Card Works: Benefits and Rewards (LB)

Victoria's Secret, a subsidiary of L Brands Inc. (NYSE: LB), has its own branded credit card called the Angel Card. Here is a discussion of the card's benefits, drawbacks and the type of consumer for whom the credit card is best suited.

The Victoria’s Secret credit card is issued by Comenity Bank and can be used for purchases online at VictoriasSecret.com or in a Victoria's Secret retail location. While the card cannot be used in any other stores, it rewards cardholders with points that accrue and can be used for money off of future purchases.

Victoria’s Secret cardholders earn rewards according to the value of their purchases, both online and in-store. Depending on the amount of money spent on a rolling 12-month period, there are three different reward tiers: Angel, Angel VIP and Angel Forever. All cardholders earn one point for each $1 of net new purchases on their Victoria's Secret credit card. Once a cardholder earns 250 points, they get a $10 Angel Reward, which counts for $10 off a future Victoria's Secret purchase.

The first tier of the Victoria's Secret credit card is the Angel card. Angel cardholders earn triple points on all bra purchases, free shipping on online purchases that include bras, and one triple-point day of their choice. In addition, Angel cardholders get a birthday gift each year the card is active.

The second tier of the Victoria's Secret credit card is the Angel VIP card. Cardholders qualify for this tier by earning 500 points on their Angel card in a rolling 12-month period. Angel VIP cardholders accrue points at the same level and rate as an Angel cardholder, but they accrue additional benefits: two triple-point days of their choice and free gifts at events throughout the year.

The top tier of the Victoria's Secret credit card is the Angel Forever card. To qualify for this card, the cardholder must earn 1,000 points on their Angel or Angel VIP credit card within a rolling 12-month period. Additional perks of being an Angel Forever cardholder include three triple-point days of the cardholder's choice and an annual thank-you gift. However, there are some caveats to these rewards. Triple-point days must be selected within 90 days of making an Angel card purchase by calling Victoria's Secret, and to qualify for free shipping with a bra purchase, the customer must use a code.

The primary benefit of having a Victoria's Secret card is that it accrues points that translate into money off of future orders, but there are some other perks, such as gifts. Therefore, this card is best suited for those who already spend money at Victoria's Secret. Consumers who do not shop at Victoria's Secret will get no use out of this credit card.

The Victoria's Secret credit card is used specifically to purchase Victoria's Secret goods, so it has no direct competitor. Competitors in terms of lingerie stores include such major department stores as Nordstrom Inc. (NYSE: JWN) and Macy's Inc. (NYSE: M). Both of these and most other department stores offer in-store credit cards.

The Victoria’s Secret credit card has a high interest rate. In July 2016, Comenity Bank and Victoria's Secret advertised the annual percentage rate (APR) of 25.24%, but noted that the rate can vary with the market based on the Prime Rate. No interest is paid if a cardholder pays off her entire balance by the due date each month, and the payment due date is at least 25 days after the close of each billing cycle. The card has no annual fee, but there are fees for late and returned payments. If a cardholder is late paying her bill, she should expect a fee of up to $37. Fees on returned payments can go as high as $25. Of course, as with any credit card, late payments made on a Victoria's Secret card can damage the cardholder's credit score. Cardholders should thoroughly read their cardholder agreements for full details.

Register for Account Center today!

Don't miss out on cardholder exclusives and more!

Why Register for Online Access?

Sign up for online Account Center now. Start managing your account the fast, easy way.

When you register, you get 24/7 access to manage your Victoria's Secret Angel Credit Card Account online from any device, including your computer, tablet or smartphone.

Pay your bill, view or print monthly statements, add or change your contact information, sign up for paperless billing — and much more.

Why Register for Online Access?

Sign up for online Account Center now. Start managing your account the fast, easy way.

When you register, you get 24/7 access to manage your Victoria's Secret Angel Credit Card Account online from any device, including your computer, tablet or smartphone.

Pay your bill, view or print monthly statements, add or change your contact information, sign up for paperless billing — and much more.

Here's how to get awesome extras, bonuses and exclusives.

Keep track of your credit card account anywhere, anytime.

Sign up for secure, online account management.

Copyright © 2017 Comenity LLC. This site gives access to services offered by Comenity Bank.

Comenity Bank issues your Victoria's Secret Angel Credit Card account. 1-800-695-9478 (TDD/TTY: 1-800-695-1788)

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Victoria secret credit card hard to get

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