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Torrid® Credit Card

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3.8 out of 5 stars
5 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4 out of 5 stars

Customer Service

2.5 out of 5 stars

4 5
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These reviews were written by current and former cardholders in the last year.

Nov 24, 2016
Great!
Chibaker01 Cardholder

I applied for this card on a whim in the store. I was approved for 500. A few months later I got a limit increase for 800. Just recently I received another for 1,200 cl. The apr is high. However I really enjoy this card. I have never had to use the customer service so I can't comment on that. I really enjoy this card. 

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Aug 23, 2016
3rd times a charm!
augustkiwi Cardholder

i absolutely love Torrid and i have a lane bryant card (250 CL). both are with comenity bank so after owning LB card for 5months i applied for torrid card in store in july but was denied after given the 'our computers are down' speech. was told to apply online and recon said denied again, got a letter saying to apply after 30 days from the letter. decided to apply again today and was FINALLY APPROVED for $250 cl. not too high but definitely manageable considering im rebuilding.

customer service is good. no complaints thus far. will see how it goes after owning it for a while but im defintiely very happy!!

FICO score: 579 Experian; 587 TU. Credit Karma FAKO scores 617 Eq & 606 TU

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Jun 25, 2016
Anonymous Cardholder

High interest rate but helping rebuild credit

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Apr 25, 2016
Slow Credit Builder
KayyyOhhh Cardholder

This card doesnt have many perks and the interest rate is super high (26% I think?) BUT, I shop in Torrid alot, and when I as approved for a card (it popped up on the cashier's screen during a purchase) 2 years ago with a $250 credit limit, I accepted the offer.  There is a rewards program through Torrid, but it's separate from the credit card which is confusing, but if you sign up to the program online you can find out when your rewards are available (usually $10) per ever 200 spent.  My credit limit has been increased from $250 to $500 to $800 and just recently they upped it to $950.  That's 3 increases in 2 years, with no hard pulls.  I'm going to call and ask for a lower interest rate, and hope they oblige. 

I'd only recommend this card if you are a hardcore shopper at Torrid.  If not, then it may not be worth it for you. 

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Mar 25, 2016
Anonymous Cardholder

I just had a very horrible experience with my account. I love Torrid but why is it that you have to have your payment in my 8pm in order for it to be processed the same day for no late fee? My CC company does something similar and as long as the payment is in on the due date you never recieve a fee. I called and was told basically that it was my fault for not paying by the time due. I have never heard such nonsense. I will be paying my account off and discontinuing its use because of this. How does one late fee wipe out the payment I made? Ridiculous. 

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Torrid® Credit Card