What is Torrid Credit Card? Is it safe for use? Read to know more!

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Torrid is a fun brand that flatters plus-sized young ladies, but it comes with a high price. Women are always looking for ways to save money due to the high prices. Comenity issues the Torrid Credit Card. This card allows customers to get discounts and earn rewards when they shop with Torrid. Do you think the card is worthy of a spot in your purse We go into more detail so that you can make an informed decision.

Benefits of the Torrid Insider Card Credit Card

Cardholders receive a unique signup bonus. Cardholders will receive a $20 coupon and 25% off their first purchase when they receive the card by mail. Sign up now to enjoy savings on your first purchase. For those who have a Torrid credit card, they are entitled to a 30% discount twice per year. This level of discount could be sufficient to help you bring some of your more expensive clothing into your budget.

Advantages and Disadvantages to the Torrid Insider credit card

However, there are some drawbacks to these benefits. The Torrid Insider Credit Card has a 26.49% interest rates. To keep the card balance for too long will wipe out any savings. In addition to the high interest rate, credit cards can also be subject to heavy fees. A late payment can run up to $38, and a return payment as high at $25.

Women who make late payments or are carrying a balance on their credit cards will not find the card useful because of the high interest rates and fees. The Torrid Insider Card is only available to responsible card users who pay the entire balance each month.

The card is also a retail card and can only be used at Torrid. It can’t be used anywhere else because it isn’t associated with major card networks like Visa and MasterCard.

Are you able to use the credit card for Torrid Insider benefits?

Women looking to reduce their clothing costs might not need to open a Torrid Insider credit card. Torrid offers a loyalty programme that does not require you to open a credit account. Torrid Insider offers rewards and a birthday coupon.

Torrid will give you 1 point for every dollar that you spend. Earn 200 points to get a $10 Torrid discount. This converts into a 5% rewards rate. Spend more than $1,000 annually at Torrid and your rewards rate will increase to 1.5 points per $1. At this point, the rewards rate goes up to 7.5%.

Torrid Insider cardholders without the card are not eligible for the 30% discount on two-yearly shopping days and the sign-up bonuses. These benefits are only available to cardholders.

Notably, the card application will require you to sign up as a Torrid Insider. But, you can still sign up for the Insider Program without the card.

The bottom line

When it comes to earning rewards, the Torrid Credit Card isn’t very special. Joining the Torrid Insider loyalty club and using a credit card with cash back will give you “double up” in terms of rewards. But that does not mean the Torrid Credit Card has no value.

Regular Torrid customers who can afford to pay their credit card bills on time may be eligible for the 30% discount twice yearly.

Even with 30% off discounts, this card isn’t the right choice for everyone. The value of rewards can quickly be diminished by fees and interest. The Torrid Insider Credit Card only works if you pay your bills on time and in full every month. A low interest credit card may be better for you if you are carrying a balance.

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