What's the Torrid credit card credit score requirement? (2024)

FAQs

What's the Torrid credit card credit score requirement? ›

Cardholders get instant access to exclusive discounts, promotions, giveaways and in-store events. You don't need a high credit score: Your odds of getting approved are good if your credit score exceeds 640.

To get the Torrid, you'd need a credit score of 640 or above. It's the general rule of thumb for store cards, and this one is no different.

You need a credit score of 640 or higher to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).

Note: Your Torrid credit card account is issued by Comenity Bank.

The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you'll need a score of about 640 or higher. And since the average person's credit score is about 40 points above that, these cards are well within reach for most of us.

To get the Torrid, you'd need a credit score of 640 or above. It's the general rule of thumb for store cards, and this one is no different. That being said, you can't get approved on score alone: they'll look at your whole file, and pay close attention to your income.

The best credit card for a 480 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The OpenSky® Plus Secured Visa® Credit Card also reports to the credit bureaus on a monthly basis.

Easiest Comenity Credit Cards To Get Approved For

The easiest Comenity Cards to get are the ones you can use the shopping cart trick on as they are not checking your credit. Out of the cards Comenity offer that this trick works on, most people find Victoria's Secret & Overstock the easiest to get the pop up on.

The Citi Double Cash Card is one of the best cash-back credit cards with no annual fee. Normally, you'd need a good to excellent credit score to be approved for the top credit cards, but you can get the Citi Double Cash Card with fair or average credit.

Comenity Bank uses all three major credit card bureaus (TransUnion, Experian, Equifax) for credit card approval. So, if any of your credit reports are frozen, you should unfreeze them before submitting an application for one of Comenity's credit cards.

How do I know if I got approved for a Torrid credit card? ›

If you haven't heard back after 10 business days, then give customer service a call at (800) 853-2921 to ask about the delay. If your application is approved, you can expect your new card to arrive by mail within 7-10 business days after approval.

The Comenity-issued Lane Bryant Credit Card is a closed-loop product, meaning it can be used only within the brand.

Torrid.com accepts Torrid Credit Card, MasterCard, Visa, Discover, American Express and ATM/debit cards with the Visa or MasterCard logo. You may also pay with a Torrid gift card, Klarna, PayPal or store credit.

You will first be considered for the Mastercard, which requires a 700+ credit score for good approval odds. If you don't qualify for the Ulta Mastercard, you will then be considered for the Ulta store credit card, which is generally available to people with credit scores of 640+.

Generally, a credit score of at least 600 is required to be considered for a Synchrony credit card or store card. However, certain cards may require a higher credit score, typically around 660 or higher.

While a score of 600 won't disqualify you from being approved by lenders, it can make things, such as getting a loan or credit card, a little more challenging and will almost always lead to higher interest rates.

A credit score of about 700+ will likely qualify you for just about any credit card, including those with cash back rewards, lower annual percentage rates (APRs) and more. However, there are plenty of cards you can get with a score lower than this (more on that later).

If you haven't heard back after 10 business days, then give customer service a call at (800) 853-2921 to ask about the delay. If your application is approved, you can expect your new card to arrive by mail within 7-10 business days after approval.

A 579 credit score can be a sign of past credit difficulties or a lack of credit history. Whether you're looking for a personal loan, a mortgage or a credit card, credit scores in this range can make it challenging to get approved for unsecured credit, which doesn't require collateral or a security deposit.