How to Cancel a Victoria’s Secret Credit Card

You can close your Victoria’s Secret credit card account in two ways: over the phone or by mail. However, there are some things you should know before officially canceling your credit card, so you don’t cost yourself money or damage your credit score.

If you’re on the fence about deactivating your Victoria’s Secret account, there are alternatives you can explore.

What to know before canceling your Victoria’s Secret credit card

Closing a credit card account has some hidden consequences you should consider before you take steps to officially shut down your Victoria’s Secret credit card account. Here are some things to consider before ending your line of credit:

• You’ll lose your points: According to Victoria’s Secret, you’ll forfeit any unredeemed rewards on your Victoria’s Secret credit card when you close your account. Make sure to cash out on your points, miles, or cashback rewards before you formally cancel your card.
• You’ll still may get billed: If you leave an unpaid balance on your Victoria’s Secret credit card, the debt won’t disappear when you close the account. Instead, you’ll continue to be billed until the balance is paid in full, even if your Victoria’s Secret account is fully closed. However, you may not even be allowed to close your account until your outstanding balance is $0.
• Your credit score may drop: Canceling a credit card may affect your credit utilization ratio and your credit age (though the latter will only be affected in your VantageScore, not your FICO score). Both of these are factors in your credit score, so you may see a slight drop in points when you shut down your Victoria’s Secret credit account.

How to close a Victoria’s Secret credit card account

There are multiple ways to cancel a Victoria’s Secret credit card. Here’s how to close your Victoria’s Secret account using the best method for you.

How to cancel a Victoria’s Secret credit card by phone

To cancel your Victoria’s Secret credit card by phone, call the number on the back of your card or (800) 695-9478.

Tell the agent you want to cancel your credit card, and provide them with your account details.

How to cancel a Victoria’s Secret credit card by mail

To cancel your Victoria’s Secret credit card by mail, send a letter detailing your request to cancel and account information to the following address:

Comenity Bank

PO Box 182273

Columbus, OH 43218-2273

Alternatives to canceling your Victoria’s Secret credit card

If you’re not yet set on closing your Victoria’s Secret credit card for good, consider one of these alternatives.

Request a credit limit increase

Considering canceling your Victoria’s Secret credit card because you need more credit? Don’t pull the trigger until you’ve first tried requesting a credit limit increase.

To get a Victoria’s Secret credit limit increase, call the number on the back of your credit card.

Negotiate your interest rate

If a high interest rate is what’s giving you pause about your Victoria’s Secret credit card, consider calling the number on the back of the card and negotiating your credit card interest rate. You may be able to get a lower interest rate if your credit score has improved or if you’re facing unexpected difficulties (like job loss or divorce).

Freeze your card

You may want to cancel your card to resist the temptation of overspending on credit. If you’ve been purchasing past your limit, putting your card away for a while is a great idea. However, you may want to freeze your card rather than close your Victoria’s Secret account entirely.

Freezing, or locking, your Victoria’s Secret credit card renders the card unusable until you choose to unfreeze it. There are no charges or penalties for freezing a Victoria’s Secret credit card.