Start My Answer

5 Things to Know About the Torrid Credit Card

Hannah Locklear | August 25, 2023

Summary: Torrid credit card, issued by Comenity Bank, offers limited rewards and benefits that are subject to change and comes with a high APR of 31.99%. If you, like many others, are being sued for credit card debt, you can use arbitration to push your case out of the court system and potentially increase your chances of winning. SoloSuit can help you respond when debt collectors start calling about your Torrid card debts.

Torrid, known for its trendy plus-size clothing and accessories, offers more than just fashion. For its loyal shoppers, the brand provides a store credit card known as the Torrid Credit Card. If you are considering adding this card to your wallet or simply curious about its features, here's a closer look at the three most important things you need to know.

Sued by Comenity Bank? Use SoloSettle to settle your debt for good.

Settle with SoloSettle

Make an Offer

1. Torrid Credit Card is issued by Comenity Bank

Comenity Bank, which is part of Bread Financial, issues the Torrid credit card. This means that, if you default on your Torrid card payments, you may be contacted by Comenity. When enough time passes without payment, Comenity might even take you to court over the debt.

Avoid falling into debt with your Torrif credit card and be sure to make your payments on time. To make your payments online, here is the Torrid credit card login: https://d.comenity.net/ac/torrid/public/home

2. Torrid credit card offers rewards and benefits

One of the primary reasons people choose store credit cards is to benefit from the rewards. With the Torrid Credit Card, cardholders receive a certain number of points for every dollar they spend. Once a specific point threshold is reached, these points can be redeemed for shopping credits.

Let’s break Torrid credit card’s reward and benefits:

  • Save 5% on each purchase when you use your Torrid credit card.
  • Save 40% on your Torrid.com purchase when you open and immediately use your Torrid Credit Card (Note that the offer only applies to online purchases and you must make a purchase at the time of application in order to receive the additional discount).
  • Torrid has a member tier structure, and depending on which tier you fall under, you can earn up to $20 store credit each time you spend 250 points worth on your Torrid card. You earn 1 point per $1 spent on a qualifying purchase.
  • Each year on your birthday, Torrid credit card may give you a coupon that can be used towards the purchase of Torrid products at participating stores or at the Torrid online storeholders. Note that Torrid’s terms state the following regarding birthday benefits: “Torrid shall determine in its sole discretion the special birthday offer, or whether one is offered at all.”
  • Get exclusive access to sales, offers and more.

Torrid’s terms and conditions explain that all rewards and point systems can be changed, altered, or taken away at any time for any reason.

3. Torrid credit card has high interest rates and fees

Before signing up, be sure to review Torrid credit card APR and fees. Financed by Comenity Bank (aka Bread Financial), these rates and fees may be exorbitant and could cause you serious debt issues if you do not stay on top of your payments.

Torrid credit card has a high APR

As of 2023, the Torrid credit card has a 31.99% APR. Note that this APR will vary with the market.

This means that if you carry a balance from month to month, the interest can quickly accumulate. It's essential to be aware of this when deciding to make a purchase using the card. If you can, always try to pay off the balance in full every month to avoid hefty interest charges.

In order to avoid interest charges, you must pay off your Torrid card within 25 days after the close of each billing period.

Torrid credit card charges late fees

Although Torrid credit card doesn’t charge any annual fees, you may be subject to penalty fees as a cardholder. For example, Torrid card has a late payment fee of up to $41 and a returned payment fee of up to $25.

4. Torrid can change the point earning system without your knowledge

As a user of Torrid’s rewards system, it's essential to be aware that the way you currently earn points today may not necessarily remain the same in the future. Torrid card’s terms and conditions specifically state the following:

“Torrid reserves the right, without limitation, to terminate, change, limit, modify, or cancel any of the above means of earning Points and the number of Points earned for any activity, at any time, with or without notice.”

This means that Torrid reserves the overarching right to terminate, change, limit, modify, or even cancel the methods through which points are earned. This includes adjusting the number of points designated for any given activity. They can also implement these changes at any moment and may not always provide prior notice before doing so.

5. The Torrid credit card agreement has an arbitration clause

The terms and conditions of the Torrid credit card outline an arbitration clause, which may be used by consumers to avoid going to court.

The Torrid credit card arbitration clause basically states that all disputes between you and Torrid relating to the program or the credit card’s terms will be resolved by binding arbitration in Los Angeles, California, governed by the Federal Arbitration Act and administered by the American Arbitration Association. If the location of arbitration places undue burden on you, you can initiate arbitration in your home state. Arbitration must be initiated within one year of the legal action taken against a consumer. And under the arbitration clause, both parties waive their rights to a jury trial.

If you’ve been sued over a Torrid credit card debt, you can use the arbitration clause as leverage to avoid going to court and potentially get the case dismissed. Respond to your lawsuit and file a Motion to Compel Arbitration into the case.

To learn more about how arbitration can be you secret weapon in a credit card debt lawsuit, check out this video:

Key takeaways

The Torrid Credit Card can be a beneficial tool for frequent shoppers of the brand. Its rewards and exclusive perks make it tempting. However, as with all credit decisions, it's vital to understand the terms and conditions, be aware of the interest rates, and determine if it aligns with your spending and payment habits.

Here are some key takeaways from this post on the Torrid credit card:

  • The Torrid credit card is financed by Comenity Bank.
  • Torrid credit card rewards are nice, but they can change the terms and conditions of your rewards and points system at any time.
  • Torrid charges a high APR at 31.99% as of 2023.
  • Torrid may charge penalty fees of up to $41, as of 2023.
  • The torrid credit card agreement contains an arbitration clause that can protect you from having to go to court.

If managed wisely, it can provide added value to your shopping experience, but always exercise caution to avoid potential pitfalls. If you’ve been sued by Comenity Bank over a Torrid credit card debt, SoloSuit can help you respond to the lawsuit, bump the case into arbitration, and even settle your debt before your court date.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


We have answers

Join our community of over 40,000 people.


You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.


Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started