That card is designed to incentivize spending money; a good card gives you money for things you’d already buy. I would sooner recommend getting a simple cashback card and, if you really want, using that cashback at VS. More on reddit.com

I agree with the other commentators. I’ve never had the card, but after looking through the perks I don’t think it’s worth your time. $10 for every $250 you spend isn’t competitive with most sign up bonuses, so you could do the same spend at VS with say the chase freedom unlimited and get $100. The periodic perks are just early access to sales and $10 on your birthday (if you’re in good standing). You do get free shipping on $50, but if you shop in store then that doesn’t matter. I would go with something else, and wait for their semiannual sales. More on reddit.com

Take responsibility for your mistakes. It doesn't matter how many days you missed your payment due date by, YOU missed it. Nobody forced you at gunpoint to take out a Victoria's Secret store credit card or agree to the terms of said card. Be on top of your finances. CHECK YOUR BILLS BEFORE THEY'RE DUE. They're not under any obligation to refund anything nor remove a late payment from your credit report. Just do better moving forward. More on reddit.com

Store cards are rarely worth it, and even when they are, it's only if you shop at the store a lot. In this case, the signup bonus is $25 (?) which is pretty bad. You'd probably be better off just signing up for a standard card with a proper SUB and flat 2% cash back

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