How do I cancel my Victoria's Secret credit card?

The Victoria's Secret credit card is issued by Comenity Bank, not Victoria's Secret directly.

This means you need to contact Comenity Bank to cancel the card.

There is no fee to cancel the Victoria's Secret credit card, but closing the account could potentially have a temporary negative impact on your credit score.

To cancel, you can either call Comenity Bank's customer service number or send a written request to their mailing address.

Both options require providing personal identification details.

If you have a balance on the card, you'll need to pay it off in full before the account can be closed.

Comenity Bank may not allow you to cancel otherwise.

Comenity Bank may try to persuade you to keep the card open, even if you've decided to cancel.

They may offer incentives like discounts or rewards to try and retain the account.

Once the account is closed, Comenity Bank should send you a written confirmation.

Be sure to keep this for your records in case any issues arise later.

Canceling the card won't erase any past charges or activity on the account.

That history will remain on your credit report.

The Victoria's Secret credit card has no annual fee, so there's no financial penalty for keeping it open even if you don't use it.

This could be an option to consider.

Closing older credit card accounts, even if not used, can potentially lower your credit utilization ratio and have a negative short-term impact on your credit score.

If you've had the Victoria's Secret card for a long time, closing it may outweigh the benefits, especially if it's your oldest or only credit card.

Comenity Bank may require you to destroy the physical credit card once the account is closed.

This is a common practice to prevent unauthorized future use.

Be wary of any unsolicited calls claiming to be from Victoria's Secret or Comenity Bank offering to cancel your card.

This could be a scam attempt.

The Victoria's Secret credit card program is managed by Alliance Data Systems Corporation, which owns Comenity Bank.

Comenity Bank has a dedicated website (manage.comenity.net/victoriassecret) where customers can log in and manage their Victoria's Secret credit card account.

In addition to the customer service phone numbers, Comenity Bank also provides a mailing address specifically for credit card cancellation requests.

Some sources suggest sending the cancellation request via certified mail to ensure delivery and have proof of the request.

Comenity Bank may ask for a reason why you're closing the account, but they cannot force you to provide one if you don't want to.

If you've had any issues with the Victoria's Secret credit card, such as unauthorized charges or poor customer service, be sure to document these when requesting the account closure.

Closing the Victoria's Secret credit card will not impact your ability to continue shopping at Victoria's Secret stores or online.

The card is separate from your customer account.

Once the account is closed, Comenity Bank should stop sending you promotional offers or attempts to reactivate the credit card in the future.