Torrid Credit Card

Torrid Credit Card Payment: This Info Will Help You Now


Torrid Credit Card: Torrid was launched in April 2001, it has its headquarters in the city of California U.S.A. it is an apparel company that deals in plus-size apparel, counterculture apparel, and diverse accessories for ladies. Torrid is the destination for plus-sized trendy fashion.

Their major focus is to make ladies look hot all year round by supplying the best accessories and clothing that will delight their hearts. Torrid started as a subsidiary of Hot Topic and serves alternative styles to its customers and clients.

Torrid became an LLC in 2015. Torrid has over 600 stores across the United States of America from which you can choose to shop.

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Like a few businesses and establishments out there, Torrid has its own closed-loop credit card which it offers its customers. For those who want to enjoy shopping and saving a few dollars while shopping with the torrid brand, this card is designed just for you.

Unlike other credit cards out there, the torrid card does not give heavy rewards but is good on special offers and occasional coupons.

Torrid Credit Card |

Torrid card accounts are issued by Comenity Bank. Prior to your application for a torrid credit card, Comenity bank will request your permission to provide you with useful information electronically.

APR: Torrid credit card has an APR of 26.24% variable



The Torrid credit card only requires fair credit for an account opening and approval. So if you are an individual without a robust credit history, the torrid credit card environment has been designed to accommodate you.

Also if you are in the process of credit recovery this card will still accept your application when you apply for it online within minutes.


On account opening and approval, you will earn a welcome bonus of $20. This is because the company prides itself on giving back to its customers and also prioritizes customer satisfaction. $20 seems like a good amount to afford certain accessories in the Torrid store.

Also, you get a 25% discount on your first purchase within the torrid store and two days of discounted shopping each year, during which you will receive 30% off purchases.


This card offers some rewards in addition to your VIP Torrid rewards perks, insider, or loyalist offers.

  • Get a 40% discount on your purchases when you open and immediately use your Torrid card for purchases online.
  • Get an extra 5% off every day when you shop with your Torrid credit card.
  • You also get an extra $15 off a $50 welcome offer with your Torrid credit card when your credit card arrives.

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Your application and approval must happen the same day if you are to qualify for or receive this offer. This offer cannot be combined with other offers and it is valid one time only.

It is not valid on Spanx, and Torrid LLC employees are ineligible for this discount offer. Also, this discount offer may not apply to certain products as some of the products may be exempted from this offer.

  • Account must not be in default.
  •  The 5% everyday discount cannot be combined with the 40% first day/ first purchase discount.
  • Credit card offers are subject to credit approval.


Besides the regular discounts that you enjoy from Torrid, Torrid offers its credit cardholders exclusive offers throughout the year. They come in the form of private sales events, an extra discount on some selected items for a particular period, online discounts, and many more.

These offers are usually sent to holders of Torrid credit cards through emails to all cardholders.


For access to even more rewards, all year round you can obtain a Torrid Platinum status. To attain this status you must collect at least 1,000 points before you can qualify and once you qualify you can enjoy more discounts, benefits, and several rewards.

If you are not in the business of shopping constantly your mind can be at rest knowing that the Torrid credit card does not charge cardholders for inactivity. Although there is no inactivity fee charged by the card if you stay up to a period of 2 years without using your card for valid transactions and eligible purchases your card might be closed.

Also, Torrid will not charge you for getting carried away with your shopping which may lead to you going over your credit limit, however, you are still responsible for the payment of your minimum fee and whatever amount you have spent over your credit card limit by your next due date.


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