If you don't want to report it as fraudulent, then you will have to accept the effects it has on your credit score (likely minimal for just opening the account). It's likely that if a card was opened, her purchase was automatically charged to the new account, and you are liable for that charge (and any other charges on the account) unless you dispute it as fraudulent. If there is, then she fraudulently applied for a credit card in your name. If she legitimately thought she was applying for a card for herself, she would have supplied her own SSN, not yours.ĭoes that mean I DONT have it and it will be mailed to me where I can then throw it in the trash?Ĭheck your credit report to see if there's a hard pull and new account in your name. She would have had to give them that information. Like it was one of those "would you like to sign up for blah blah store card" she said yes and it went through. It was just a big ball of poor judgment and ignorance. Looks like it was a brand new cashier who didn't even make it through the day and doesnt work there any more. Talked with the store manager and they're gonna have a staff meeting. No it wasnt okay for her to do that and yes I'll be talking to her about it.Īs for all the credit advice I've seen here I'm going to go through it all when I get home tonight and definitely take steps to secure myself better. She thought she was saving me $25 and then I could cancel the card easy peasy. I'm at work and dont have the time to get back to everyone.Įdit2- Yes she used my SSN to apply for the credit card, but it wasn't malicious. So I got approved.ĮDIT: to all of you replying I appreciate it. So she went "yeah sure I'll never get cleared for it because my credit sucks" forgetting it was all in my name and well. I've never even had a second credit card just the one from my bank.Ĭan I just leave it there unused? I dont even know how to pay the damn thing off.īefore anyone goes off about the legality of what she did the Victoria's secret account WAS in my name but she uses it because. 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 Otherwise, not so much.Official User Flairs Thread - Learn how to customize your user flair The Bottom Line: If you spend lots of money at Victoria’s Secret, the Victoria’s Secret credit card is probably a pretty good card to have. The Shopping Cart Trick Factor: Since this is a Comenity retail card, you should be able to take advantage of the shopping cart trick to get it without a hard pull. It looks like there are other triple point promotions as well, and the fine print on that one says, “Triple points offer cannot be combined with additional bonus reward point promotions.”Īnnual Gifts: Certain retail cards give you a bonus every year on your birthday. Does that get multiplied with the triple points bonus and bring the rewards to 24/36%? And does Victoria’s secret sell prepaid Visa gift cards? I don’t know, though I’m pretty sure the answer to the second question is “No.” AND you also get double points on all bra purchases. That works out to a rate of 4% or 6% in the highest tier.īut wait, there’s more: during your cardmember anniversary month, you get triple points! So that boosts this card to 12%/18%. For the Angel Forever card ($1,000 spent) you get $15 for every $250 spent. For both the Angel Card and the Angel VIP card (which you get by reaching $500 in spend), you get $10 for every $250 spent. Rewards: The Victoria’s Secret credit card offers different tiers based on your spending on it. $15 is less than the $500 rewards that major credit card issuers frequently offer for their products, so the pink credit card is not a winner on this count. Sign-up bonus: The Victoria’s Secret credit card gives you $15 off your next purchase. And by “a lot of readers” I mean “ Elaine in the comments last week.” So here you go, Elaine! Let’s take a look at the features, and please keep in mind that this is a store card valid only at Victoria’s Secret, not a Visa/MasterCard/Amex. Believe it or not, a lot of readers have asked me to write up the Victoria’s Secret credit card.
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