Comenity bank scam victoria's secret how to#

Again, the can was kicked pending further investigation. I called immediately after receiving the letter. The last communication from them (via snail mail letter) asked me to call them within 30 days, or the account would be closed. I was told of ongoing investigations, prompted by them, not me. After three phone calls and one snail mail letter, my rectifying efforts resulted in them constantly kicking the can down the road. Aside from their many website glitches and outages, the more important issue is their assumption that there was fraud on my fraudless account therefore, my card was locked three times, and unlocked twice. I’ve had a Bread Cash Back credit card for about four months. All negative posts should be believed, including mine. My anxiety is clearly getting the best of me but I am just really scared.Original Review: I assume that any positive reviews you read about Bread Financial are from shills. 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.

Comenity bank scam victoria's secret how to#

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