Torrid Credit Card Review (Torrid Credit Card Login, Payment and Customer Service)

Table of Contents

What is Torrid Credit Card?

And what is special about Torrid Credit Card?

Comenity bank is an international bank that supplies different kinds of credit cards. One such credit card is the Torrid Credit Card widely used for the benefits availed from it.

Torrid Credit Card
Torrid Credit Card

Torrid Card Benefits

On a brief note, this card has special offers for the customers.

  1. 15 % off on your very first purchase
  2. 30% off on groceries twice a year
  3. Easy to apply Online
  4. Can Control and access the account through online
  5. It has got many benefits in the terms of points. If you spend 1$, you earn 1 point. With every 200 points you make, there is 10$ retailer praise.

Many such benefits are having costumers in US opt for the Torrid Credit Card.

How to Apply for Torrid Credit Card

Apply For Torrid Credit Card
Apply For Torrid Credit Card

I will take you through the STEP BY STEP method on how to apply online and sign up to own the Torrid Credit Card.

To apply for the Torrid card is not much of a hassle as it is free to open an account in the page.

To apply online there are a few conditions that must be met by the credit card customers.

  1. The credit card holders are expected to be not less than 18 years of age and must have reached the prerequisite age according to the US government.
  2. The Credit Card Customer is expected to have legitimate Government issued photo ID which will be later accessed for its authenticity only after which the account will be created hassle-free.
  3. The Torrid Credit Card customer is expected to enter his/her social security Number issued by the US government.
  4. The Applicant must essentially be a resident of US.

Along with this, the resident is expected to include their side road or rural course else APO/FPO/DPO mailing address.

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How to Apply Torrid Credit Card Online

How To Apply Torrid Credit Card Online
How To Apply Torrid Credit Card Online

Step 1 – Go to website and click the Credit card Homepage. Click on the apply button to start with the Torrid Credit card acquisition process.

Step 2 –  The customer is then led to another page that requires to fill in the personal data of the credit card holder.

Fill the below required forms consisting of:

  • Name
  • Social Security Number
  • Date of Birth
  • Annual Source of revenue

Step 3 – Subsequently, the card holders are to fill their Contact data.

  • Street Address
  • Apartment
  • City
  • State
  • Zip Code
  • E-mail Address
  • Mobile Phone Number

Step 4 – In the end, the credit card holder should authorize a purchaser and click on ‘Continue’.

With this the apply process is completed.

Once you have applied for the torrid credit card from the torrid insider website. You need to sign up for the internet access of the card.

Sign Up for Torrid Credit Card – Torrid Credit Card Account Registration

Sign Up For Torrid Credit Card- Account Registration
Sign Up For Torrid Credit Card- Account Registration

Step 1: Click on the website and click on the register link on the page.

By now your application process would have been approved and completed. You need the following information to sign up for the internet access of the card.

Step 2: Fill in the below mentioned information in the form.

  • The Torrid Credit card account number
  • The Postal code
  • Social Security Number if you are from US or SIN if you are from Canada
  • The identification type is selected
  • The last four digits of the SSN or SIN is filled in there.

For creating an account, the following information is to be filled

  • Your desired user-name
  • Desired strong password
  • Rewrite the password for verification
  • Your email address
  • Your Mobile number

By providing your mobile number, you automatically agree to the terms that you will be contacted by the comenity bank for any information regarding access, transaction information and any updates from the bank to the customer through the text messages or calls.

Torrid Credit Card Paperless Enrollment

There is a provision for the paperless enrollment of the bills directly to your smart-phone.

The option depends on the individual card holders. the paperless bills are secure, timely with email reminders sent once a month and reliable as there are no consequences of losing the paper bills nor the proper filing of the required bills.

Torrid Credit Card Benefits

The Benefits Of The Torrid Credit Card
The Benefits Of The Torrid Credit Card
  1. You can manage payment online with 24/7 access
  2. Your personal information can be edited.
  3. There is an option for paperless billing of your Bill.
  4. Alter the account settings for your benefit
  5. You can select an authorized buyer
  6. Your Available credit balance can be viewed
  7. Check the current balance
  8. Monitor the transactions
  9. Avail the bank statements

Torrid Credit Card Customer Service

Torrid Credit Card- Customer Care Service
Torrid Credit Card Customer Care Service

One of the benefits of owning the Torrid Credit Card is the provision of the Torrid Credit Card Customer Care.

These are the powerful assistance that the comenity bank provides for its card holders.

The benefits of the Torrid Credit Card customer service are

24/7 assistance of the helpline to aid any problem regarding the payments, the online transactions, the billings, the approval of your account, the arrival of your torrid credit card, the sign up and any other problem faced while accessing your account.

Torrid Credit Card Customer Service Phone Number

PST, at 1.877.867.7432.

International customers: please call +1.626.709.1188.

If you need any assistance on a lost password, contact the comenity bank.

1.800.853.2921 (TDD/TTY 1-800-695-1788), Monday – Friday, from 8 a.m. to 9 p.m. EST.

Torrid Customer Service Representative, Monday – Friday, from 7:00 a.m. to 6:00 p.m., and Saturday from 7:00 a.m. to 5:00 p.m

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One of the very common queries is regarding the account is about the arrival of the credit card once it is applied

Torrid Credit Card Payment

The Torrid Credit Card payment will be done according to the dates that have been rendered during the application and the internet access to the torrid credit card.

Here are some of the information regarding the payments in terms of the

Frequently asked questions(FAQ) about Torrid Credit Card Payment

If my payment is due today and I make the payment based on today’s date? Will it be credited into my account on the payment date?

Make sure that the online payments furnished before 8PM EDT can be credited to the Torrid card holder’s account on the paid date.Those Online payments furnished after 8PM EDT will be added to your credit the next day (or on your future scheduled payment date). Update yourself with the information that it might take up to two business days to complete the whole financial transfer from the personal bank account to your torrid credit card Account.

How to edit an already stored checking account?

You Go to my Profile page, you have two options given.

  • You can either update or edit your checking bank account given the condition that your checking bank account is still attached to the scheduled payment.
  • Once the payment is done or not processing, you can edit your checking bank information, update it and then delete the old Checking bank number.


The payment to my Torrid Credit card Account is Overdue. The payment to my Ulta Credit card Account is Overdue. What is the amount to be furnished by me?

Any amount can be credited to your Torrid credit account but it’s always best if you pay the Minimum Payment Due as You may make a payment of any amount, however, it’s best if you pay the Minimum Payment Due at your immediate chance. With this you’ll avoid the accumulation of the additional late fees.


Suppose I returned all the merchandise( goods), does the rule of monthly payment apply?

If there is a credit card balance after returning of the merchandise, the torrid credit card holder must pay the minimum payment due depending on the scheduled billing statement. The best way to have a peaceful ownership of the credit card, please pay the Minimum payment due to ward off the additional payment dues.


Can the Payment Due Day be edited to our convenience?

Suppose your torrid Credit card account is in a good impression with all the payments furnished on scheduled dates. There is an option provided for you to change the payment due date according to one of the day options provided in the account.

There is no fee charged for changing the due date.

But the frequency of the date being manipulated according to your credibility will be limited.

The One-time payments will not be altered if there is any changes done regarding the Due date alterations.

Even after I changed my Payment Due Day, the Account Center hasn’t put up my new date. Please Assist.

Once the changes are made to Payment due date, it usually takes two statements before the due date changes are effective.

Hence you will not see any changes regarding the due date change until then.

For more guidance please contact customer care service provided by the website.


Does it matter if the payment is made on a holiday or on weekends?

Anytime, is the perfect time and any day being the best day for the payment to be done online.


If my bank is located outside of US, can I still make a payment?

Unfortunately, not currently. However, if you are present outside of US, maybe an electronic transfer might be possible. For more information on this please call the customer care service number from the Torrid website.

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How to make an online payment into my Torrid credit card?

Make sure you have a checking account number and a bank routing number at your disposal. For the credit card holder’s convenience, all the information will have stored securely for the future payments. You have an option to update the information later.

To make a payment now, please click on the link payment page after signing in to your Torrid credit card account.


How to schedule the exact date I want my payment withdrawn from my personal bank account?

Basically, any financial transaction will take two business days to complete.

You will have an option to determine the date you want to make the payment to your torrid credit card account.


Should I pay any fee for making the payment online?

Lucky you, there is no such fee charged for making online payments. It’s easy and hassle-free.


To make a payment, can I use my current debit card at the account center?

We are sorry that no such option is available as of now. The credit card holder needs to make the payment using the current checking bank account.

Mind that it is not the number you find it on the front of your debit card but on the bank cheaque or on your monthly bank statement.


Can I delete a scheduled payment? If so, How?

Yes, you can always delete a scheduled payment.

But a few conditions must be met.

If the funds are not yet transferred from your bank account. You can delete a scheduled payment.


When and how your make your request also matters.

Contact the Account Center’s secure Message center.

You can also follow up with a mail before 6:00 PM eastern time, make sure it is at-least 3 business days prior the scheduled payment date.

Through Customer Care:
7:59 PM ET (Eastern Time), at least 3 business days before the scheduled payment date.
Account Center Online:
11:59 PM ET (Eastern Time), on the day of your scheduled payment date.
If you need to make a request regarding the deletion of a scheduled date, you can always go to the payments page on the website and follow the rules to make a request.Please note that there is a limit on the frequency of the requests you send.


How do I edit or delete stored checking account?

You Go to my Profile page, you have two options given.

You can either update or edit your checking bank account given the condition that your checking bank account is still attached to the scheduled payment.

Once the payment is done or not processing, you can edit your checking bank information, update it and then delete the old Checking bank number.

For more information Please contact the customer service phone number.

Lost or Stolen Torrid Credit Card

If your Torrid Credit Card is stolen, then please convey the information to the Comenity Bank. You can do this by immedietly contacting the Comenity Customer Care Service.

The Customer Service Phone Number

1-800-853-2921 (TDD/TTY 1-800-695-1788), Monday – Friday, from 8 a.m. to 9 p.m. EST.

Once this is done, you will not be able to access the Torrid Credit Card through online as the security team will block the card and will be under the process of creating a new Torrid Credit Card.

For more information on cyber-security which is paramount if you own a credit card, please go through the below website.

Billing Statements

The billings statements if misplaced can always be viewed online, in your account that says, billing statements.

More on the topic, you will be able to view the billing statements of 24 months.

Torrid Credit Card Review

Torrid Credit Card Review
Torrid Credit Card Review

The Torrid Credit card bags a 3 and half stars out of five on the review scale.

Most customers are very happy with the service provided by the card.

If the credit is payed punctually according the scheduled date, they increase the credit limit which is a huge bonus.

On the contrary, if a customer happens to delay in the payment of the credit on the scheduled time. Chances are high that the credit limit will decrease by half.

Irrespective of High APR’s. Owning a Torrid Credit card is a huge boon for shopaholics.

Other Frequently Asked Questions about Torrid Credit Card

How do I get the information about my application being approved?

A. You will usually be approved instantly followed by receiving your Torrid Credit card number. Be ready to shop right away in any Torrid shop or

If at all you receive a message instead of instant approval saying that your card is under review, then there will a notification by the Comenity Bank about the status of your application through mail in 7-10 business days.

Following the approval, your Torrid Credit Card will be received through mail within 7-10 days.

When will I get my card?

A. Your card should arrive by mail within 7-10 business days after your application is approved.

Contact Comenity Bank, directly at 1-800-853-2921 (TDD/TTY 1-800-695-1788), Monday – Friday, from 8 a.m. to 9 p.m. EST.

What if my application status showed “under review”? What does this mean?

A. Don’t you worry! Comenity Bank is taking a speck more of time to look into your application and will let you know about the status within 7-10 business days.

If by mail, you are not notified about the application status, please contact Comenity bank as it will not share anything through the phone calls or text messages keeping the security a priority.

Contact Comenity Bank, directly at 1-800-853-2921 (TDD/TTY 1-800-695-1788), Monday – Friday, from 8 a.m. to 9 p.m. EST.

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