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The torrid comenity credit card offers substantial benefits above and beyond what you would normally get as a torrid rewards member without the credit card. To make the most of your torrid credit card and avoid potential pitfalls, follow these tips: Pay your balance in full: Sep 2, 2024 · the torrid credit card, issued by comenity bank, is designed specifically for torrid shoppers who want to enjoy rewards and perks tailored to their fashion needs. But is it worth.