Pay your Victoria's Secret credit card online, by phone, or by mail
You can pay your Victoria's Secret Credit Card through the Comenity Bank portal, which handles the account. The fastest way is online through your account dashboard, where you can make a one-time payment or set up automatic payments. You can also call the customer service number on the back of your card, mail a check to the payment address printed on your statement, or pay in person at any Victoria's Secret store.
Your payment is due by the date shown on your monthly statement. Paying on time keeps your account in good standing and protects your credit score. If you miss a payment, you may face late fees and interest charges on your balance.
Key Takeaways
- Log into your Comenity Bank account online or through the mobile app to pay your Victoria's Secret Credit Card with a debit card, bank account, or digital wallet.
- Set up automatic payments from your bank account to may support you never miss a due date and avoid late fees.
- Call the number on the back of your card to make a payment by phone using a debit card or bank account information.
- Mail a check or money order to the payment address on your statement if you prefer not to pay online or by phone.
- Pay in person at a Victoria's Secret store location using cash, debit, or credit card.
Pay online through Comenity Bank
Comenity Bank is the company that issues and manages your Victoria's Secret Credit Card. To pay online, go to the Comenity Bank website or read their mobile app. You will need your card number and the PIN or password you created when you first set up your account.
Once you log in, select "Make a Payment" or "Pay Now." Enter the amount you want to pay and choose your payment method — you can use a debit card, bank account, or digital wallet like Apple Pay or Google Pay. Review the payment details and confirm. The payment typically posts to your account within one business day.
If you do not have an online account yet, you can create one on the Comenity Bank website. You will need your card number, Social Security number, and date of birth. After you register, you can pay when ready or set up recurring automatic payments.
Set up automatic payments to avoid late fees
Automatic payments take money from your bank account on a date you choose each month. This removes the risk of forgetting your due date and helps you avoid late fees and interest charges. To set up automatic payments, log into your Comenity Bank account and look for the "Autopay" or "Automatic Payments" section.
You can choose to pay your full statement balance, a fixed amount, or just the minimum payment. Most people choose to pay the full balance each month to avoid interest charges. Select the bank account you want the payment to come from and the day of the month you want the payment to happen. Confirm your setup, and the payment will run automatically each month until you cancel it.
You can change or cancel automatic payments anytime through your online account. If you need to stop a payment before it processes, contact Comenity Bank customer service as soon as possible.
Pay by phone with a customer service representative
The phone number for Victoria's Secret Credit Card payments is on the back of your card. Call that number and follow the prompts to speak with a representative or use the automated system to make a payment. Have your card number and a debit card or bank account information ready.
A representative can answer questions about your balance, due date, or payment options while you are on the call. If you use the automated system, you will enter your payment information through the phone keypad. Payments made by phone typically post within one business day.
Mail a check or money order
The mailing address for payments is printed on your monthly statement. Write your card number on the check or money order and mail it to that address. Include your statement or a copy of it so the payment is matched to your account correctly.
Mail payments take longer to process than online or phone payments — typically five to seven business days from the time they arrive at the payment center. If your due date is coming up soon, mail may not reach in time. For this reason, mailing is best used when you have extra time before your payment is due.
Pay in person at a Victoria's Secret store
You can walk into any Victoria's Secret location and make a payment at the register. Tell the cashier you want to pay your credit card bill. They will process your payment and give you a receipt. You can pay with cash, debit card, or another credit card.
In-store payments are convenient if you are already shopping, but this option is not available outside store hours. Store hours vary by location, so check the hours of your nearest store before you go. In-store payments typically post to your account within one to two business days.
What to do if you miss a payment
If your payment is late, Comenity Bank will charge a late fee. The amount depends on your account terms, but late fees typically range from $25 to $40 for the first late payment. If you miss another payment within six months, the fee may be higher.
A late payment also shows up on your credit report and can lower your credit score. If you realize you have missed a payment, make it as soon as possible. Contact Comenity Bank to ask whether they can waive the late fee, especially if this is your first missed payment or if there was a valid reason for the delay.
Frequently Asked Questions
How do I find my Comenity Bank account number?
Your account number is the same as your Victoria's Secret Credit Card number. You can also find it on your monthly statement or by calling the number on the back of your card.
Can I pay my Victoria's Secret credit card at a different store?
No, in-store payments are only available at Victoria's Secret locations. You cannot pay at other retailers. Use online, phone, or mail payment methods if you do not have a Victoria's Secret store nearby.
What happens if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account. You can use this credit toward future purchases or request a refund by contacting Comenity Bank customer service.
Is there a fee to pay my credit card bill?
No, there is no fee to pay your Victoria's Secret Credit Card through any payment method — online, phone, mail, or in person. Comenity Bank does not charge a payment fee.
How long does it take for my payment to show up?
Online and phone payments typically post within one business day. In-store payments post within one to two business days. Mail payments take five to seven business days from arrival at the payment center.