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Summary of account activity Payment information
Account no. ****-****-****-7336 New balance $64.00
Minimum payment due $36.00
Previous balance $31.00 Payment due date 10/20/2021
Payments 0.00
Other credits 0.00 Late payment warning:
Purchases 0.00 If we do not receive your minimum payment by 10/20/2021 you may
Other debits 0.00 have to pay up to a $40.00 late fee.
Fees charged 33.00 Minimum payment warning: If you make only the minimum
Interest charged 0.00 payment for each period, you will pay more in interest and it will take
New balance $64.00 you longer to pay off your balances. For example:
Past due amount 31.00 If you make no additional You will pay off And you will
Credit limit $750.00 charges using this card the balance shown end up paying an
Available credit $686.00 and each month you pay: on the statement estimated total
Statement closing date 09/24/2021 in about: of:
Days in billing cycle 30 Only the minimum payment 2 months $66
For information regarding credit counseling services,
call 1-800-284-1706.
Skip signing in to pay and use Comenity2s EasyPay. It2s safe and convenient. Use your smartphone camera or code
reader to scan the QR code printed on your payment stub below to get started.
Victoria's Secret Credit Card Account Summary
Rewards Summary Tier Status Summaryú CARDMEMBERS ARE FIRST]
Current total points*: 160 Current Tier: Silver Get exclusive offers, event
Points to next reward: 90 Dollars to maintain Silver status: invites and early access to major
$217.90 sales throughout the year. Sign
Receive a $10 rewardê within 3-6 Spend to next tier: $467 up for emails at
weeks for every 250 points [Link] so
earned] you don2t miss out.
Details of your transactions
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
Fees
09/20/2021 LATE FEE 31.00
09/24/2021 MINIMUM INTEREST CHARGE 2.00
Total fees charged for this period $33.00
Interest charged
Interest charge on purchases $0.00
Total interest for this period $0.00
2021 totals year to date
Total fees charged in 2021 $64.00
Total interest charged in 2021 $0.00
NOTICE: See reverse side for important information.
Please tear at perforation above
Account
number ****-****-****-7336
New balance Minimum payment
$64.00 $36.00
99 2 3
Mailed payments must reach us by 6pm ET
Yes, I have moved or updated my Amount on 10/20/2021.
e-mail address - see reverse. enclosed:
$ Please make check payable to:
COMENITY - VICTORIA'S SECRET
HEDRINSON D RAVELO
Please return this portion along with your payment to:
460 SW 130TH TER PO BOX 650972
DAVIE FL 33325-3232 DALLAS TX 75265-0972
49905018 00071209 5391761268757336 000003600 000006400
Keep this portion for your records. CREDIT REPORTING. We may report information about your account to
What To Do If You Think You Find A Mistake On Your Statement credit bureaus. Late payments, missed payments, or other defaults on your
If you think there is an error on your statement, write to us at: Comenity account may be reflected in your credit report.
Bank PO Box 182782, Columbus, OH 43218-2782. NOTICE OF CREDIT REPORT DISPUTES
In your letter, give us the following information: If you believe the account information we reported to a consumer reporting
³ Account information: Your name and account number. agency is inaccurate, you may submit a direct dispute to Comenity Bank PO
Box 182789, Columbus, OH 43218-2789. Your written dispute must
³ Dollar amount: The dollar amount of the suspected error. provide sufficient information to identify the account and specify why the
³ Description of Problem: If you think there is an error on your bill, information is inaccurate:
describe what you believe is wrong and why you believe it is a mistake. ³ Account Information: Your name and account number
You must contact us within 60 days after the error appeared on your ³ Contact Information: Your address and telephone number
statement. ³ Disputed Information: Identify the account information disputed and
explain why you believe it is inaccurate
You must notify us of any potential errors in writing. You may call us, but if ³ Supporting Documentation: If available, provide a copy of the section of
you do we are not required to investigate any potential errors and you may the credit report showing the account information you are disputing
have to pay the amount in question.
While we investigate whether or not there has been an error, the following We will investigate the disputed information and report the results to you
are true: within 30 days of receipt of the information needed for our investigation. If
³ We cannot try to collect the amount in question, or report you as we find that the account information we reported is inaccurate, we will
delinquent on that amount. promptly provide the necessary correction to each consumer reporting
agency to which we reported the information.
³ The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that PAYMENTS MARKED "PAID IN FULL". All written communications regarding
we made a mistake, you will not have to pay the amount in question or disputed amounts that include any check or other payment instrument
any interest or other fees related to that amount. marked with "payment in full" or similar language, must be sent to: 1010 W.
³ While you do not have to pay the amount in question, you are responsible Mockingbird Lane, Suite 100, Dallas, TX 75247.
DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
for the remainder of your balance. - We may accept payment sent to any other address without losing any of
³ We can apply any unpaid amount against your credit limit. our rights.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases - No payment shall operate as an accord and satisfaction without prior
written approval.
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the CUSTOMER SERVICE. Visit [Link]/victoriassecret or call
problem with the merchant, you may have the right not to pay the remaining 1-800-695-9478 (TDD/TTY 1-800-695-1788).
amount due on the purchase. TELEPHONE MONITORING. To provide you with high-quality service, phone
To use this right, all of the following must be true: communication with us is monitored and/or recorded.
1. The purchase must have been made in your home state or within 100 ADDITIONAL INFORMATION. The following designations, when appearing
miles of your current mailing address, and the purchase price must have on the front of your statement, mean the following: V means variable rate
been more than $50. (Note: Neither of these is necessary if your purchase (this rate may vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT
was based on an advertisement we mailed to you, or if we own the company REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV
that sold you the goods or services.) INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ
2. You must have used your credit card for the purchase. Purchases made means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means
with cash advances from an ATM or with a check that accesses your credit DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
card account do not qualify. INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL
3. You must not yet have fully paid for the purchase. PAYMENT. If you have a variable rate account, your periodic rates may vary.
If all of the criteria above are met and you are still dissatisfied with the You may pay all of your Account balance at any time without penalty.
purchase, contact us in writing at: Comenity Bank PO Box 182782, Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus, OH
Columbus, OH 43218-2782. 43218-2273.
While we investigate, the same rules apply to the disputed amount as Send all bankruptcy notices and related correspondence to Comenity Bank,
discussed above. After we finish our investigation, we will tell you our Bankruptcy Department, PO Box 182125, Columbus, OH 43218-2125.
decision. At that point, if we think you owe an amount and you do not pay
we may report you as delinquent. NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
check as payment, you authorize us either to use information from your
HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after check to make a one-time electronic fund transfer from your account or to
the close of each billing cycle. We will not charge you interest on purchases process the payment as a check transaction. When we use information from
if you pay your entire balance by the due date each month. We will begin to your check to make an electronic fund transfer, funds may be withdrawn
charge interest on new purchases made under a Low APR, Equal Payment from your account as soon as the same day we receive your payment, and
or Budget Payment Credit Plan from the date of purchase. you will not receive your check back from your financial institution.
BALANCE COMPUTATION METHOD. We calculate interest separately for
each balance using the method(s) described below. The two letters in
parentheses next to the Balance Subject to Interest Rate column in the
Interest Charge Calculation section on this statement corresponds to the
following:
(DA) We figure the interest charge on this balance by applying the periodic
rate to the 3daily balance4 for each day in the billing period. To get the
3daily balance4 we take the beginning balance each day, add any new
transactions and fees and subtract any payments or credits (treating any net
credit balance as a zero balance). This gives us the daily balance.
(MC) We figure the interest charge on this balance by applying the periodic
rate to the 3average daily balance4 for the billing period. To get the
3average daily balance4 we take the beginning balance each day, add any
new transactions and fees and subtract any payments or credits (treating
any net credit balance as a zero balance). This gives us the daily balance.
Then, we add up all the daily balances for the billing period and divide the
total by the number of days in the billing period. This gives us the 3average
daily balance.4
PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format (outlined below) it
may not be credited to your Account for up to five days, or may be rejected. Also, your payment must reach us by the payment cutoff time that applies to
the payment method you select.
Correct Format. Correct format for different payment methods include:
Mailing or Overnight: Send a personal check, money order, traveler2s check or cashier2s check payable in U.S. dollars, to the name and address shown on
this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or
clip your payment to the stub, include your account number on your check, use the envelope provided with your Statement, send one payment with one
payment stub and do not send any correspondence with your payment. You should overnight a payment to 1010 W. Mockingbird Lane, Suite 100, Dallas,
TX 75247 and the additional format requirements are the same as other mailed payments unless there is a dispute, in which case you follow the Payments
Marked "Paid In Full" section above. Do not send cash or gift certificates. Pay By Phone: You can call us toll free at 1-800-695-9478 (TDD/TTY
1-800-695-1788) to make a payment by telephone, which may include a fee. Online: You can make a payment online at [Link]/victoriassecret.
In-store: You can make payments in-store.
Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the
following times: Mailing and Overnight: By 6:00 pm Eastern Time (ET); Pay By Phone: By 6:00 pm (ET); Online: By 6:00 pm (ET); and In-store: By the time
the store closes at the location you make your payment.
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Interest charge calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD
on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR TO INTEREST RATE CHARGE
Purchases 24.9900% (v) 36.48 (DA) 0.00
Additional important messages
In case you2ve overlooked it, we want to remind you that we have not received the minimum payment
due. If you've already made your payment, thank you. If not, you can simply visit Comenity EasyPay at
[Link]/easypay to schedule your payment, or to make a payment over the phone using your bank
account, call 1-866-308-5728 (TDD/TTY 1-800-695-1788). We value you as a customer and want to thank
you for your business.
Affected by COVID-19? Comenity Bank Offers Support
As the bank that manages your credit card, our hearts go out to those affected by the coronavirus
(COVID-19) pandemic.
The support we2re extending to you. If you2re experiencing financial hardship because of COVID-19,
please call 1-800-695-9478 (TDD/TTY: 1-800-695-1788) to discuss how we may be able to help.
Account Center is available 24/7 for you to manage your VICTORIA'S SECRET account
online. You can make payments and view your balance, transactions and statements online. Not yet
registered? Visit [Link]/victoriassecret, enter your VICTORIA'S SECRET credit card account
number and ZIP code, then verify your identity.
We2re looking out for you. We remain focused on the health and well-being of our customers and
associates, and we2ll continue to stay on top of what2s happening during the pandemic so we can best
support you.
IMPORTANT INFORMATION ABOUT LATE FEE CREDITS
We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If
we do, we will charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse
the credit and repost the charge to your account if you fail to make the minimum payment due on or
before the due date in the next billing period.
We recently realized that you may not have received a copy of your Rewards Program Terms and
Conditions in your credit card welcome kit, you can find this important document online at
[Link]/creditcardterms or by calling us at 1-800-695-9478 (TDD/TTY:
1-800-695-1788).
++Provide your email to [Link] or [Link] to qualify. Must have
made a purchase in the previous 12 months starting 2 months prior to the event. Accounts that opened in
the event month or the month prior will receive the offer the following year. Account must not be in
default. Offer will be received via email or direct mail in the event month. Must have valid email address
and U.S. mailing address.
ÚMust have a valid email address and U.S. mailing address.
Credit card offers are subject to credit approval.
Victoria2s Secret Credit Card Accounts are issued by Comenity Bank.
êOffer only available at Victoria's Secret and PINK. Offer is exclusive to Victoria's Secret Credit
Cardholders enrolled in the Victoria's Secret Credit Card Rewards program. This rewards program is
(CONTINUED)
49905018 00071210 5391761268757336 000003600 000006400
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Additional important messages - continued
provided by Victoria's Secret and its terms may change at any time. For full Rewards Terms and
Conditions, please see [Link]/creditcardterms.
*This information is accurate as of the statement closing date provided on this billing statement. Please
refer to [Link] to get your most accurate and up to date balance. This rewards
program is provided by Victoria's Secret and its terms may change at any time. For full Rewards Terms
and Conditions, please see [Link]/creditcardterms.
+Spend $250 (Silver) or $500 (Gold) during the program year (2/1-1/31) on qualifying purchases made
with your Victoria2s Secret Credit Card, minus returns, to upgrade to Silver or Gold status. To maintain
this status, a customer must spend $250 (Silver) or $500 (Gold) each subsequent program year on the
Victoria2s Secret Credit Card. This rewards program is provided by Victoria2s Secret and its terms may
change at any time. For full Rewards Terms and Conditions, please see
[Link]/creditcardterms.
Be the first to know] Sign up for emails at [Link].
úAccurate as of billing date. Spend $250 (Silver) or $500 (Gold) during the program year (2/1-1/31) on
qualifying purchases made with your Victoria's Secret Credit Card, minus returns, to upgrade to Silver or
Gold status. To maintain this status, a customer must spend $250 (Silver) or $500 (Gold) each
subsequent program year on the Victoria's Secret Credit Card.
Credit card offers are subject to credit approval.
Victoria2s Secret Credit Card Accounts are issued by Comenity Bank.
Find out how to shop safely online at [Link]
