@Anonymous wrote:I'm a new member, I have been reading about these SCT for a few days, I just had a question. Has anyone had many bad experiences with Comenity bank, I was reading the reviews on Yelp and they didn't sound like a very reputable bank, although they were for the HSN and Victoria secret and these customers may have had problems. Also are the VS and MC's pretty much hard pulls now?
Thanks
Hi Sabrina,
Welcome to the forums! Here is a good place to get started on some Comenity reading that can help you make your decision.
Comenity cards have been helpful for a number of myfico members, but it's always best to only apply for cards you will actually use, and to be informed before making decisions. 
I've never had a problem personally with my Comenity Total Rewards Visa, but I do plan to remove the Comenity card from my profile eventually.
Hope this helps
@CreditMagic7 wrote:
@Anonymous wrote:
@CreditMagic7 wrote:Welcome To The Forums and we're happy that you could join with us on this credit journey.
Word of advice is do well with those SCT cards but also focus on your own plan at some point to bring in major bank cards as a main priority.
Too much attention to the easy pickings of SCT cards will only delay your progress in building into Prime Cards at decent limits.
I loaded up when i first started with many of them, established history with those and closed many of them at the (1) year mark and it became much easier for the big banks to show more confidence in offering better cards where limits with them can grow very well for you over time.
+1. Excellent advice from a seasoned, experienced forum member here.
Remember that the interest rates are sky high on all of these Comenity cards, and they have very limited benefits compared to other credit cards.
There are also many threads on myfico of members having all of their cards closed when they apply for multiple cards at once or have too many overall inquiries on their credit reports.
It may be best to focus on obtaining one or two cards you will actually use and stop there.
Just trying to offer a little heads up before the boats get loaded down with too many folks piling them up on their reports.
+1
@Anonymous wrote:The_Credit_Guy. I am sorry to say that you are misleading people with information for Shopping cart trick. I applied for the BJs mastercard because I read where you mentioned it was a soft pull since they only asked for the last four in your social. I was approved for the mastercard and I saw it was a hard pull on my credit. I called the bank and they confirmed that it was a hard pull...
If you read through the 65 pages, you'll see that starting about 6 or so months ago, Comenity began doing hard pulls for their branded Visa/Mastercard offerings.
i just tryed the sct on Overstock. it worked! well, i was approved anyway. Im assuming it was a soft hit for it to actually work, i will keep an eye on my credit score and update this if was a hard hit. I did have to enter my ssn. I will probably try this on 1-2 more in the next couple of days. I don't want to just do a whole bunch but if i can get these to increase my credit, I'm in.