How to Cancel Your Victoria’s Secret Credit Card (2024)

FAQs

How to Cancel Your Victoria’s Secret Credit Card? ›

You can cancel your Victoria's Secret Credit Card either online or over the phone at (800) 695-9478. Alternatively, you can send your cancellation request via mail. Before canceling, make sure to pay down any outstanding balance you might have on your account.

Here's how to cancel your Victoria's Secret Credit Card:

Online: Log in to your online account and contact the bank through the Secure Message Center. Over the phone: Call (800) 695-9478 and enter your account number when prompted. Then, follow the automated instructions to get connected to a customer service rep.

To cancel a a Comenity Capital credit card, call customer service at 1-855-823-1001 or log in to the Comenity Capital website. Cardholders can also cancel an account by phone or by mail.

While it's possible to cancel some credit cards online, it's a better idea to call your card issuer. This way, you can be clear on your card's current balance and potentially request a refund (or partial refund) for your annual fee—especially if it's early in your cardmember year.

Credit experts advise against closing credit cards, even when you're not using them, for good reason. “Canceling a credit card has the potential to reduce your score, not increase it,” says Beverly Harzog, credit card expert and consumer finance analyst for U.S. News & World Report.

Canceling a credit card will cause a direct hit to your credit score, so more often than not, you'll want to keep the account open. Correctly managing an open, rarely-used account may require some extra attention, but the added effort will help your credit in the long run.

Cancel your Self Visa® Credit Card account by calling us at 877-883-0999. Please note that once your card is closed, we will not be able reopen that card account, though you may be able to open a new one in the future.

If you close a credit card with a balance, you'll still be responsible for that debt. Card issuers will continue to send statements in the mail, and interest will still be applied to that balance. It's best to leave your account open, as there can be negative impacts on your credit score if you close a card.

Is it OK to cancel a credit card you don't use? ›

Sometimes, closing a credit card just makes sense. If there's a high annual fee, membership or other maintenance costs, then you shouldn't keep it.

Calling your credit card issuer's customer service department is the most dependable way to cancel your credit card account. Credit card companies typically do not allow you to cancel an account online, but it is possible with a handful of major issuers.

If you don't use a credit card for a year or more, the issuer may decide to close the account. In fact, inactivity is one of the most common reasons for account cancellations. When your account is idle, the card issuer makes no money from transaction fees paid by merchants or from interest if you carry a balance.

Your credit utilization ratio goes up

By closing a credit card account with zero balance, you're removing all of that card's available balance from the ratio, in turn, increasing your utilization percentage. The higher your balance-to-limit ratio, the more it can hurt your credit.

While there's truth to the idea that closing a credit account can lower your score, the magnitude of the effect depends on various factors, such as how many other credit accounts you have and how old those accounts are. Sometimes the impact is minimal and your score drops just a few points.

If you cancel one of your cards, you will have a lower amount of total credit available. If you're carrying a balance on any of your other credit cards, this will increase your credit utilization rate. If your utilization is too high, you will likely see a negative impact on your credit score.

You can manage many of your account preferences when signed into your account on the Victoria's Secret website. Should you wish to close your account, you can do this by getting in touch with our Customer Service team on 1800946380* who will be able to assist you further.

Once you have paid off the card's balance, contact the credit card issuer to notify them that you would like to cancel the credit card. You can contact the company by phone or in writing. And the contact information will be available on your credit card statements or the back of the card.

Dear Customer Service Department: My name is _________________ and I have a (credit card/revolving charge, etc) account with (Creditor's name). My account number is ______________________. I do not plan to use the account, therefore, I would like the credit line to be closed out.