About 2 months ago, I signed up for the Victoria’s Secret credit card. Not because I shop there a lot or anything. It wasn’t even for the signon bonus, which I think was a $15 off my next purchase. No, it was so I could send Evolve payments to the card in hopes I could then request a refund check sent back to me. Well, in the 2 months I’ve had the card and when Evolve let you send USBank gift cards fee-free, I sent $4,000 worth of payments to the VS card. I just got my 2nd statement the other day and on the 2nd page, I see this doozy. It basically says that because I have a credit balance on my card, I can call the number and ask for the refund to be sent via ACH. Are you kidding me? Can it BE any easier? So I called them up (Comenity Bank), and after 2 minutes, he told me that due to the size of the refund, it would take up to 21 days. Whatever. That’s fine by me. All of this without a hard hit on my credit report! Now that Evolve is pretty much dead to me, this deal is also basically dead too. Now I have to make sure my wife doesn’t buy anything when I get the catalogs.