Got a rep, who had a bad attitude from the get-go. Finally I went online and tracked down a phone number. (Shouldn't their number be on the card?) She gave me 2 numbers for them, neither of which worked. After 20 minutes getting upset with the nice rep who answered, I was notified that she was with Visa Int'l, not Comenity and I would have to call them. The number on the back of the card, which is not meant to be read by any human, as it is hidden and printed so small, it took a jeweller's loupe to make it out. He was mortified, used another card and it went right through. It was declined for "possible fraudulent activity". My husband ran out to the corner store, as he does every morning and attempted to make a purchase using his card, which he had used successfully there for the past 4 mornings.
They "hoped" to have that resolved in a month or so. As soon as that was supposedly resolved, their computers *glitched* again, causing their Rewards program to get all screwed up. Then, about a month in, their computers *glitch* and ALL autopays are declined for over a month.more like 2.
However, I know the owner of the store quite well and was able to verify with him there was no problem at all on his end. They tried telling me it was the fault of the merchant's computers. Initially, both my and my husband's cards were getting declined. Opened my credit card account with them several months ago with a high limit and have had nothing but problems ever since. My anxiety is clearly getting the best of me but I am just really scared.AAA Preferred Rewards Visa - Steer Clear! 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. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.