Consider making payments throughout the month after you make purchases, rather than waiting until your monthly statement arrives. This is especially important with the Angel card because it has a very high APR, like most store cards. Be sure to pay your statement balance in full each month to prevent interest charges from being applied.
You can see your payment options for this card above. Take note that online payments made before 8 p. EST will be credited to your account that same day; but payments made after 8 p. EST will be credited to your account the next day. Most of the trouble centers on customer support and payment processing, although many cardholders report having their credit limits drastically reduced as well. Be aware of the payment conditions mentioned in the section above , particularly the lack of autopay and the 8 p.
Take our advice and make your payments well ahead of the due date so you have time to correct any problems if they arise. If a customer service agent tells you that a particular late fee was made in error or a charge will be refunded, try to get proof of your interaction. If you use this card, be sure to pay very close attention to your account and pay your bills ahead of the due date, to allow for processing delays and to give you time to sort out any errors.
Consider paying off your purchases throughout the month, even before your statement is generated. Be sure to investigate your card carefully to get as much as you can out of it.
Remember that your Angel Reward points will expire after 12 months of no card activity, and reward gift cards will expire after 90 days. To apply for this card, just click the Apply Now button below. Most applicants will get an instant decision, either approved or denied. In some cases it may take longer to provide a response.
Read Our Review. And with a bit more legwork, you could actually earn more than 1. When used in tandem with other Chase rewards cards, you may be able to get more value when you transfer your rewards and redeem them for travel, either through Chase Ultimate Rewards or through partner airlines and hotels.
Certainly something to think about: Learn all about maximizing your Chase rewards! The Amazon Prime Rewards Visa Signature Card Review is excellent for Amazon purchases, providing quite a bit of cash back for every purchase made from this online mega-retailer. You can also use it anywhere Visa credit cards are accepted. Or would you rather go through Amazon and have the chance to earn some cash back on other purchases too? The Nordstrom Visa Signature Card provides decent rewards at Nordstrom, with some extra benefits that some shoppers might really enjoy.
It also provides a bit more flexibility, as it can be used wherever Visa is accepted. It comes with some nice perks for Nordstrom, like early access to Clear the Rack and anniversary sales, and cardholders with enhanced status can get an annual visit from an in-home Nordstrom stylist.
So, what do you like? The latter will give a more flexible option along with store benefits; definitely something to think about. Was this review helpful to you? Business Cards. Cards for Bad Credit. Cards for Fair Credit. Secured Cards. Search Credit Cards. Loans Personal Loans. Home Loans.
Auto Loans. Auto Refinance My Loan. Get a New Loan. Auto Insurance. Home Buy a Home. Refinance My Loan. Home Insurance. Real Estate Agents. Resources Identity Monitoring. Unclaimed Money. Mortgage Lender Reviews. Mobile App. Sign in Register. The credit limit on the card depends on the applicant's personal credit history and finances. That being said, store credit cards often seem easier to qualify for than general-use cards.
Since the Victoria card doesn't cost anything to own, obtaining and using one responsibly can be a way for someone with a limited credit history to build up a good record.
Like most store-branded credit cards, the Victoria card charges a hefty amount of interest: as of February , the advertised annual percentage rate APR is It's a variable rate, which fluctuates with the prime interest rate. No interest is paid if a cardholder pays off their entire balance by the due date each month, and the payment due date is at least 25 days after the close of each billing cycle.
Again, like most store cards, the Victoria card has no annual fee, but there are charges for late and returned payments. Cardholders should thoroughly read their cardholder agreements for full details. Getting a store credit card makes sense for consumers who regularly shop at that retailer.
If you have a high degree of brand loyalty to Victoria's Secret or PINK and are looking for special discounts, applying for a Victoria card could be a smart choice. You can pay your Victoria's Secret Credit Card in stores or online at www. You can view the points needed for your next reward online at www. As is the case with proprietary credit cards, the Victoria card only works with one merchant—Victoria's Secret and its corporate sister retailers. While it carries various little perks and privileges that make cardholders feel like part of the Victoria's Secret family, its primary benefit is that it accrues points that translate into money for or discounts on future purchases.
Often, you have a limited amount of time to use these rewards. So overall, this card is best suited for consumers who already spend money early and often at Victoria's Secret.
Those who aren't big fans of the brand will find the Victoria card has a pretty limited wingspan. Victoria's Secret. Rewards Cards. Dividend Stocks. Credit Cards. Your Privacy Rights. To change or withdraw your consent choices for Investopedia. At any time, you can update your settings through the "EU Privacy" link at the bottom of any page. Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Discover.
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Updated November 8,
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