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When You Use Your Comenity® Mastercard® Credit Card . $100 . cash back when you spend $500 or more within 90 days of opening your account. Paid as a statement ... The Torrid Credit Card is a revolving credit account linked to the Torrid brand. It works similarly to any other retail credit card: Apply and get approved for a …If your billing address is outside of the U.S. or you'd like to request your Credit Card Account Agreement by phone, please call 1-800-853-2921 (TDD/TTY: 1-800-695-1788). ... This site gives access to services offered by Comenity Bank, which is part of Bread Financial. ... Torrid Accounts are issued by Comenity Bank.This site gives access to services offered by Comenity Bank, which is part of Bread Financial. Torrid Accounts are issued by Comenity Bank. 1-800-853-2921 (TDD/TTY: 1-800-695-1788 )You hereby authorize Comenity Bank ("us" or "we") to furnish our decision to issue an account to you to Torrid Credit Card Account. 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