Low level of authentication indicative of ID Fraud.Low level of authentication indicative of First Party Fraud.High average credit limit or loan amounton revolving/real property trades or credit balance to limit ratio on revolving trades.Current address reported by recently opened trade only.Here are our reasons for declining your request: "Based on information obtained from the credit-reporting agency, we are unable to approve your application at this time. Comenity Bank issues all Victoria's Secret credit cards, and we handle any account-related matters. So I've never (as well as my s.o.) applied for a credit card but received a rejection letter addressed from Comenity Bank, which states that my "recent application for a(n) Victoria's Secret credit card. No promotion of illegal, fraudulent, or nefarious activities No self-promotional content with prior mod approval. No referrals in posts, comments, or private messages. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Suggestions, Ideas, and Feedback - Post your suggestions hereĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service My anxiety is clearly getting the best of me but I am just really scared.Official User Flairs Thread - Learn how to customize your user flair I am not a huge shopper of VS, I get bras like 1-2 times a year in batches of 2-4. I had no idea this was a credit card, VS even told me that she should have briefed me. I have never done something like this before. Have I screwed myself over? People open these Angels cards all the time, surely this isn't some colossal screw up.Īny advice, or directions on where to go from here would be great. I am really scared that I have fucked up my life by unknowingly getting this card. The options I have heard so far are:ġ) Close the card immediately and damage your creditĢ) Pay off the card (which I did immediately once I realized what had happened) and don't use it, which will damage your creditģ) Use the card and pay the bills on time each month and this won't damage your credit? I want to minimize damage being done to my credit. The card is with Comenity Bank I do not even know who that is. I am usually a very responsible person, never borrow money, have no loans, nothing like that. I have heard horror stories of bad credit ruining you for life, etc. I do not want a new credit card, I have no need for this VS credit card, I am scared shitless. I do take responsibility for being naive, but I am moving past that now.Īnyway, so I "signed up" for the card and she was like "Okay, here's all your new credit card info, it'll be shipped to you in a week." I was floored. Not once did she tell me what it truly is or explain to me all of the cons of it. As I have done that sort of thing before with zero consequences. I literally just thought it would be some type of points card, that is it. What happened: I went to VS to buy a couple of bras and at checkout the lady asked me if I wanted to take 15 dollars off by signing up for VS Angels. I have called Victoria's Secret's customer service line and got some somewhat helpful information, but I would also like to know where else to look. Please do be kind and respectful, though straight forward, as I am here to learn and would like some advice on my situation. My dad did originally set up the cards for me, so I have zero idea of what that all entailed. I am 20, I am in college, and currently have one credit card that I use for gas and food, and one debit card that I have a savings account with. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit.įirst off, this is a throw away because I'm currently kind of scared shitless on all levels. Get your financial house in order, learn how to better manage your money, and invest for your future.
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