The main Victoria's Secret credit card phone number
Call 1-800-695-8352 to reach Victoria's Secret credit card customer service. This number handles account questions, payment issues, fraud reports, and general card inquiries. The line is available Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday and Sunday, 10 a.m. to 8 p.m. Eastern time.
Have your card number or the phone number associated with your account ready when you call. If you're reporting fraud or a lost card, have that information available as well. The wait time varies depending on call volume, but you'll reach a representative who can access your account directly.
Key Takeaways
- The main customer service line for Victoria's Secret credit card is 1-800-695-8352, available during business hours Monday through Sunday.
- You can reach a representative to discuss payments, account changes, fraud, or lost cards without navigating an automated system first.
- Have your card number or account phone number ready to speed up the process.
- If you need help outside business hours, you can report a lost or stolen card through the automated system or check your online account portal.
- The card is issued by Comenity Bank, so some issues may be handled by that bank's customer service team instead.
What you can handle on this call
This number handles the most common card issues. You can report a lost or stolen card, dispute a charge, ask about your balance or payment due date, request a credit limit increase, update your address or phone number, or ask about rewards and benefits tied to your card.
You can also call to make a payment over the phone, though most people find it faster to pay online through your account portal or set up automatic payments. If you're having trouble logging into your online account, the representative can walk you through that as well.
When to call versus other options
Call this number if you need to speak to a person right away or if your issue requires account access that only a representative can provide. If you're reporting fraud or a lost card, calling is usually faster than waiting for mail or trying to navigate an automated system.
If your question is straightforward — like checking your balance or making a one-time payment — your online account portal or the Victoria's Secret mobile app may be faster. You can also check your monthly statement for answers to common questions about your account.
What to do if you can't reach the number
If the line is busy or you're calling outside business hours, you have other options. Most lost or stolen card reports can be made through an automated system on the same number — just listen for the fraud reporting option when you call. You can also report a lost card through your online account if you can still log in.
For non-urgent issues, log into your account online at the Victoria's Secret website or through the mobile app. You can view your balance, make payments, update your information, and see your transaction history without calling. If you need to reach someone after hours for a non-emergency issue, you can send a find message through your online account, and a representative will respond during business hours.
Understanding who handles your account
The Victoria's Secret credit card is issued by Comenity Bank, which means some customer service functions may be handled by Comenity rather than Victoria's Secret directly. When you call 1-800-695-8352, you're reaching Victoria's Secret's customer service team, but they may transfer you to Comenity for certain issues like disputes or credit limit decisions.
This doesn't change what you need to do — just be aware that you may speak to representatives from both companies depending on your issue. Both teams have access to your account information and can help you.
Preparing for your call
Before you call, gather the information that will help the representative information you faster. Have your card number ready, or the phone number you registered with the account. If you're calling about a specific transaction, have the date and amount. If you're reporting fraud, have details about the unauthorized charges.
If you're calling about a payment, know your current balance and the amount you want to pay. If you're updating your information, have your new address or phone number written down. The call usually takes 5 to 15 minutes depending on what you need, but having this information ready cuts that time in half.
Frequently Asked Questions
Can I report a lost card through the automated system instead of waiting for a representative?
Yes. When you call 1-800-695-8352, listen for the fraud or lost card option in the automated menu. You can report a lost or stolen card without speaking to a person, and your card will be blocked when ready. If you need to discuss the card or have questions about fraudulent charges, you can stay on the line for a representative.
What if I'm calling from outside the United States?
The 1-800 number is for calls within the United States only. If you're calling from outside the U.S., check your monthly statement or the back of your card for an international customer service number. You can also log into your online account from anywhere and contact customer service through the find message system.
Can I make a payment over the phone on this call?
Yes. A representative can take your payment information and process a payment to your account during the call. You'll need your checking account or another card number to make the payment. However, you can also pay online through your account portal or set up automatic payments, which many people find more convenient.
How long does it take to speak to someone?
Wait times vary based on call volume. During peak hours (lunch time and early evening), you may wait 10 to 20 minutes. Early morning or mid-afternoon calls usually connect faster. If the wait is long, you can hang up and try again later, or use your online account to handle your issue if it's not urgent.
What if my issue isn't resolved on the first call?
Ask the representative for a reference number and the name of the person you spoke with. If your issue requires investigation — like a disputed charge — the representative will tell you how long it takes and how you'll be notified of the outcome. You can call back with your reference number if you have follow-up questions.