How to Cancel Victoria’s Secret Credit Card

Victoria’s Secret credit cards often come with attractive rewards and benefits for frequent shoppers. However, over time your spending habits and needs may change, requiring you to cancel the card. Canceling a credit card is usually straightforward but it’s important to go through the proper steps.

This article explains in simple terms the process to cancel your Victoria’s Secret credit card. By following these instructions carefully, you can successfully close your account without incurring any unwanted fees or damage to your credit score.

Pay Off Any Outstanding Balances

Before canceling your Victoria’s Secret credit card, ensure any outstanding balances owed are paid in full. Failure to do so can result in unwanted interest charges, late fees, and negative impacts to your credit. Once all balances are paid, your available credit will reflect $0 and you can proceed to the next step.

Cancel Online (Recommended)

The quickest and easiest way to cancel your Victoria’s Secret credit card is through their online account management portal. Here are the steps:

Click here to Login

1. Log into your Victoria’s Secret credit card account online. You can access the portal through Comenity.com, their credit card issuer.
2. Locate the “Contact Us” or “Customer Service” link, often found at the bottom of the page. This will direct you to their Secure Message Center.
3. Select “Credit Card” as the subject and for the message, write that you wish to cancel your Victoria’s Secret credit card effective immediately. Provide details like your full name, address, and account number.
4. A customer service agent will review your request and process the cancellation. They will send you a follow-up email within 1 to 2 business days confirming your Victoria’s Secret credit card has been closed.
5. As an alternative, some cardholders have had success calling the number on the back of their Victoria’s Secret credit card and speaking with a phone agent to request cancellation. Be prepared to verify personal information for security.

Cancel Over the Phone

If you prefer to speak with a live person, you can cancel your Victoria’s Secret credit card by phone. Here are the steps:

1. Call Victoria’s Secret credit card customer service at (800) 695-9478. This is a 24-hour service number.
2. When prompted, enter your 16-digit Victoria’s Secret credit card number. Then follow the automated instructions to speak with a customer service agent.
3. Inform the agent that you want to cancel your Victoria’s Secret credit card immediately. They will ask you to verify personal information like your name, address, Social Security number, etc. for identity verification.
4. Once verified, the agent will process the cancellation during the phone call. Ask for confirmation of the cancellation and follow up details to be provided in writing via email or mail.
5. Note the date and time of your phone call cancellation request in case of any issues. Most cardholders report their Victoria’s Secret credit cards are closed within 1 to 2 business days after requesting over the phone.

Cancel by Mail

You can also cancel your Victoria’s Secret credit card by sending a written request to:

Comenity Bank
PO Box 182273
Columbus, OH 43218-2273

In your letter, clearly state that you want to cancel your Victoria’s Secret credit card and provide details like your name, address, account number, and signature. Keep a copy of your written cancellation request for your records. Victoria’s Secret will process mailed cancellation requests within 7 to 10 business days.

Card Closure Due to Inactivity

Your Victoria’s Secret credit card can be closed due to inactivity. Usually, if you do not use your card for 12 consecutive months, the issuer may close the account. Victoria’s Secret aims to reach out to cardholders before closing an account due to inactivity, so they recommend using your card for at least one purchase each year to keep it open.

In summary, the options to cancel your Victoria’s Secret credit card are online, over the phone, and via mail. For the quickest cancellation, try the online or phone methods. Be sure to keep records of your cancellation request and follow up to ensure the account is fully closed. Staying on top of your credit accounts responsibly is key to long-term financial wellbeing.

What if I’ve lost my Victoria’s Secret credit card?

If you have lost your Victoria’s Secret credit card or think it may have been stolen, report it immediately by calling (800) 695-9478. Victoria’s Secret will cancel your current card to prevent fraudulent charges and issue you a new card. Be prepared to verify personal information when calling to report a lost or stolen card.

In summary, the options to cancel your Victoria’s Secret credit card are online, over the phone, and via mail. For the quickest cancellation, try the online or phone methods. Be sure to keep records of your cancellation request and follow up to ensure the account is fully closed. Staying on top of your credit accounts responsibly is key to long-term financial wellbeing.