topic Re: CLI's from Victoria's Secret in Credit Cards

CLI's from Victoria's Secret

Anonymous — Fri, 04 Apr 2008 22:31:00 GMT

I was checking online last week my activity. And thought I'd try out the luv button. I got a message saying they would send me a letter with their decision in the next 10 business days. I received the letter today:...............

"Dear Sylviatob,
Thank you for your recent inquiry to Card Holder Services. World Financial Network National Bank issues VICTORIA'S SECRET credit card accounts and responds to all related inquiries.
To be eligible for increase, timely payment patterns must be made with the existing credit limit amount. Unfortunately, because of poor credit performance with us we are unwilling to grant an increase at this time.
We value you as a customer and our apologies for any inconvenience this may have caused. If you have further questions about your account please contact us at 1-800-887-4930. WE will be happy to help you." (letter ver batum)

With the EXTREME difficulty I have with even accessing the account online, the PITA procedure of HAVING to have separate user names & passwords for both the online account and buying their stuff, AND the fact I've had not ONE late in over 2 years with them, and I only use the card 3 maybe 4 times a year, and a $450 cl, I closed the account today. *sniff*

Hated to do it, as I'd had it for 4 years, but enough is enough, and I think I've graduated to better things.

Re: CLI's from Victoria's Secret

Anonymous — Fri, 04 Apr 2008 22:35:25 GMT

wow syl! not cool, sorry they shot you down and tried to belittle you. oh well, you've moved on and sounds like you really won't miss them anyway (only a few purchaes this past year).

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 14:54:25 GMT

That sucks. I am sorry that that happened to you.

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 15:52:20 GMT

Thanks everybody. It's ok. I'd been wanting a reason to close it for a long time. The only thing that made me keep it was the age of the account.

Oh well, on to better things. 1 down and 3 to go.

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 17:11:45 GMT

It makes me wonder how high VS CLs even go?

I kept getting auto-clis when I was carrying about 75% on the card. Now that it's been PIF for awhile I'm not seeing any luv.

Anyone have a ginormous limit w/ VS?

TX,

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 17:22:24 GMT

Hi Peas! *waves*

That might be the reason I haven't seen any luv from them. I only use it 3 or 4 times/year. I can always re-open it later, if I want to. Or so says the recoded message when the computer closed me out. (closed, not clothes silly. I'm to old for their clothes. except for their lingerie.lol)

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 17:27:43 GMT

LOL

Hiya Sylv!

I decided to push the envelope, err, love button, with them. We'll see. I think it's the only card I didn't try to get a CLI from over the past few months.

We'll see what happens! (I have my doubts as I haven't used the card for more than 10% of the CL in about 6 months. I usually make one giant purchase every 2-3 months -- I'm sure they don't like that.)

Re: CLI's from Victoria's Secret

haulingthescoreup — Sat, 05 Apr 2008 17:33:36 GMT

I have a $500 CL from J.Crew (same icky-poo WFNNB as Victoria's Secret.) I actually don't mind a store card limit that low, because I've already learned the hard way to PIF this turkey the moment the charge hits the screen.

But even if they raised it, it wouldn't be worth the nightmare of trying to get them to report properly. DD#1 has it, and DD#2 is getting it (very aware of how to pay), and they're the J.Crew wearers in our fam anyway.

As soon as the last 30-day gets shoved off the 24 month screen this June (or who knows, this coming November), this one's a goner.

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 17:46:26 GMT

haulingthescoreup wrote:
I have a $500 CL from J.Crew (same icky-poo WFNNB as Victoria's Secret.) I actually don't mind a store card limit that low, because I've already learned the hard way to PIF this turkey the moment the charge hits the screen.

But even if they raised it, it wouldn't be worth the nightmare of trying to get them to report properly. DD#1 has it, and DD#2 is getting it (very aware of how to pay), and they're the J.Crew wearers in our fam anyway.

As soon as the last 30-day gets shoved off the 24 month screen this June (or who knows, this coming November), this one's a goner.

I can honestly say I have never had an issue w/ VS reporting incorrectly. I even learned that I had a few days grace period after the due date. (In the past, of course, as I don't tempt fate anymore.) I ran this card up like crazy when I was working at Bath and Body Works. The nice part was I could make a payment @BBW, too.

I've had the card for 4 years, started around 350 and currently sit at 1400. I haven't had an increase in 14 months. Maybe I'm due, lol.

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 17:46:56 GMT

I just applied and got approved for a Victoria's Secret Card. My limit is only $500 and I don't think that I am going to go for an increase very soon because I may not be using it that much.

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 18:56:04 GMT

Hey Everybody!!

It's been a minute I know, but look what I come back to... talk about my fav store.

Sorry to hear that about them not giving you the CLI Syl.

I have had a VS card since 2000 and the CL is now at 2500 (started at 300), with 1 CLD in 2001.

I have noticed that VS has the same elephant memory as AMEX, unfortunately. I had a late payment in 2001 and guess what they remembered it, so within the last 2yrs is very new to then (Sorry). I must say that I have not had any problems with them getting what I requested. Some years I had the same usage (high) some I had none and still got auto CLI's at first. I have also noticed that when you do a CLI on their site its a 200 increase. If you call it in it's between 5-8.

My interest rate started out at something crazy like 22 and I of course PFD, but for the last few years I have called and asked for a IRD and I am down to 15.2% on that card. I know I know 15.2 is not low but compared to the average store card it is.

Hopefully, if you do decide to re-open you get the relationship that I have had with them so far.

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 19:03:19 GMT

Welcome back, jaybee!!!!

You have been missed!

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 19:03:43 GMT

Jaybee-

Awesome info! Thanks a bunch! I'm still at 22.8 and didn't even consider asking for a reduction since it's a store card. If I don't get the CLI I'll call and ask for at least a little APR luv.

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 19:16:42 GMT

@Anonymous wrote:
Welcome back, jaybee!!!!

You have been missed!

Hey cheddar. I see you are mod now. WOW!! CONGRATS!!! I always knew you would be one!!

Is concord still app'ing?

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 19:19:23 GMT

Whirled you should definitely ask for rate decrease as well as a CLI. I found them to be a little more flexible than more other store cards. Last year I asked for and got 3 CLI's. They tend to give out crazy numbers. The one time I got an 800 increase, I told them I was getting married. I was at 1700 and thats what pushed me to 2500. HaHa maybe I will use that one again.

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 19:20:33 GMT

Whirled another thing. I asked for a CLI and interest decrease on the same call and got it.

Re: CLI's from Victoria's Secret

Anonymous — Sat, 05 Apr 2008 19:29:44 GMT

LOL Jaybee --

Or you could tell them you're getting divorced and want to look GREAT when you put yourself on the market again!

I will wait out this initial CL request then call for APR reduction and/or CLI!

Awesome!

Re: CLI's from Victoria's Secret

Anonymous — Mon, 07 Apr 2008 01:13:12 GMT

Okay, got my results..

500 CLI - went from 1400 to 1900

(Sorry Syl! Just let me know when it's time to go shopping!)

Next request -- lower my APR!

Re: CLI's from Victoria's Secret

Anonymous — Mon, 07 Apr 2008 02:39:29 GMT

Wow Peas, and jaybee! WTG girls!

They did leave the door open to me. The message I got when I closed it was "if you decide to re-open your account, take your card to a store, and tell them you want to re-open it". Don't know that I'll do that, unless they can start me back up where I left off. The cl that was on the card wasn't obnoxious....I just wanted more, more more!

On the other hand the Discover More card is giving 5% cash back on clothing. hmmmmmmmm
You know I COULD use a new swimsuit and...and...and. lol

Re: CLI's from Victoria's Secret

Anonymous — Mon, 07 Apr 2008 02:55:03 GMT

LOL Sylvia -

I put the Disc More to work today at JCP and Sephora! I thought of ya while I was shoppin'!

And then there was the barnes and noble book buying spree -- and a few things for the classroom of course.

And and... now it's bedtime -- back to the real world tomorrow!