Torrid Credit Account Application

Step 1: Application

Credit Card

In addition to your Insider, Loyalist or VIP Torrid Rewards perks, the credit card offers:

  • Extra 5% off Every Day with your Torrid Credit Card*

  • 25% off your first Torrid Credit Card purchase online**

  • $15 off $50 Welcome Offer with your Torrid Credit Card (when your card arrives)***

*,**,***See All Benefits

Note: The Torrid credit card account is issued by Comenity Bank. Review our Financial Privacy Policy and Online and California Privacy Policy for more information. California Residents: Visit this page to request that we Do Not Sell My Personal Information.

Your Personal Information


-Select One-

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Contact Information

PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

Add Authorized Buyer

Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases.

You may add one authorized buyer to your account at this time. Once your account is open, you may add up to four total authorized buyers.

Add an Authorized Buyer to your account?

Continue Cancel

Cancel Application

You are about to cancel your application. Are you sure you want to cancel? This action cannot be undone.

Yes, Cancel Continue With Application

Cancel Application

By clicking "Cancel", this form will not be submitted and you will return to http://www.torrid.com

No, continue Application

Cancel Acceptance

By clicking "Cancel", this form will not be submitted and you will return to http://www.torrid.com

No, continue Acceptance

Warning!

Your session is about to expire. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session.

Continue SessionEnd Session

The Torrid credit card account

In addition to your Insider, Loyalist or VIP Torrid Rewards perks, the credit card offers:

  • Extra 5% off Every Day with your Torrid Credit Card*

  • 25% off your first Torrid Credit Card purchase online**

  • $15 off $50 Welcome Offer with your Torrid Credit Card (when your card arrives)***


*Subject to credit approval. Cannot be combined with other credit offers. Cannot be combined with catalog/mailer coupons, boxstuffer codes, Entertainment Book offers, 2nd purchase offer or select sitewide promotions. Not valid on Spanx. Torrid LLC employees are ineligible to receive this discount. The entire transaction amount after discount must be placed on the Torrid credit card. Account must not be in default. 

** Subject to credit approval. Valid one time only. Duplicate offers will not be accepted. Cannot be combined with other offers. Offers not available for prior purchases, gift cards, shipping handling, or taxes. Excludes SPANX merchandise or select Halloween items. The entire transaction amount after discount must be placed on the Torrid credit card. Account must not be in default. 

*Subject to credit approval. Must bring the coupon to redeem in stores. Associates, scan the barcode at checkout. To redeem online, enter discount code at checkout. Must be signed in to your TORRID REWARDS account to redeem offer online. Cannot be combined with other offers. Valid one time only. Duplicate offers will not be accepted. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. The entire transaction amount after discount must be placed on the Torrid credit card. $15 off a purchase of $50 or more before tax and shipping. Not valid on previous purchases, clearance, gift cards, or as payment on your TORRID CREDIT CARD. Valid for 30 days. 


Torrid Credit Card Accounts are issued by Comenity Bank. 

Close

Reward Terms and Conditions

Print Update your email
Close

Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.


What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.


Your credit score as of 04/04/2020: 0


 

We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.


Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.

Close

Your Temporary Account

Credit Card
Alt Image
Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:
This temporary card is not valid until signed.
Print

Know how to use your temporary account

You may use your Temporary Shopping Pass as if it were your actual credit card with the following restrictions - once any of the limitations below are met, your temporary account number will no longer be valid for use:

  • You may use this Temporary Shopping Pass for up to
  • A single transaction cannot exceed $0.00
  • You may use the Temporary Shopping Pass for up to 0 transactions
Close

Welcome Offer

Torrid Models

CODE: SPR20TCC25

Subject to credit approval. Only one coupon or discount per customer (pre-tax). Cannot be combined with any other discount or offer. Not valid on previous purchases or gift card purchases. Not redeemable for cash or accepted as payment for any credit card account. Valid online at Torrid.com for a single purchase made using the Torrid Credit Card through 6/30/2020.
Print
Close

Scan Barcode as Payment

Scan this barcode to use the customer's new Torrid credit card account as payment.
Name on Card: Account Number: Credit Limit: $0
Close