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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.

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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:

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 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.

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