First SCT Ever

[Anonymous]

... And it turns out to be Overstock making the offer.....  Is there a benefit to holding this card?

[Anonymous]

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@Anonymous wrote:

... And it turns out to be Overstock making the offer.....  Is there a benefit to holding this card?

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Depends.  Do you shop there on a regular basis?  

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

... And it turns out to be Overstock making the offer.....  Is there a benefit to holding this card?

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Depends.  Do you shop there on a regular basis?  

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First time, but I like their prices on higher end electronics.  Seriously thinking about getting a Nexus phone that's pretty cheap (on the Overstock site).

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

... And it turns out to be Overstock making the offer.....  Is there a benefit to holding this card?

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Depends.  Do you shop there on a regular basis?  

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First time, but I like their prices on higher end electronics.  Seriously thinking about getting a Nexus phone that's pretty cheap (on the Overstock site).

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The advantage of the card is that they do offer extended 0% financing options on higher priced items so it may be useful to you if you plan on continuing to purchase there.

[Anonymous]

So I went thru the process and was approved for 14k.  It didn't say whether this was for the store or mastercard.  So I checked with the chat folx and they said it was the store card.  Pft.  Called and closed it which was pretty seemless and automated the whole way.

[Anonymous]

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@Anonymous wrote:

So I went thru the process and was approved for 14k.  It didn't say whether this was for the store or mastercard.  So I checked with the chat folx and they said it was the store card.  Pft.  Called and closed it which was pretty seemless and automated the whole way.

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Not sure what you expected.  The SCT is always for the store card.  Also there's a good chance that even though you closed it already that it will report the the credit bureaus.  Oh well.

[Anonymous]

LOL I was expecting the MC.  Meh, oh well.  It'd be nice if they don't report it, but I'm not in NA danger territory.  I think the only NA (less than 2 years) is the Blue Cash card that arrived yesterday.

[Anonymous]

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@Anonymous wrote:

LOL I was expecting the MC.  Meh, oh well.  It'd be nice if they don't report it, but I'm not in NA danger territory.  I think the only NA (less than 2 years) is the Blue Cash card that arrived yesterday.

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Should have mentioned that part 

[CountryLivin]

The Mastercard is from FNBO....it is never a SCT. SCT is almost always a store card.

I have both the Mastercard and the store card from Overstock. The advantages of the store card are you get deferred billing on any purchases of $249 or more. This card will also grow much faster than the Mastercard. I had the store card first, and also joined Club O Rewards. There is Club O Silver and Club O Gold memberships.

The Club O Silver Membership is free, but you must subscribe to Email and remain subscribed to Email to receive your benefits.  

With the Club O rewards Silver, you get 2% back in points for every purchase and free shipping on orders over $45.

The Club O Gold Membership fee is $19.95, and you get free shipping on all purchases and 5% back in points,

If you have the Club O Mastercard, you do not have to pay for membership in Club O Rewards Gold....you get it for free. You also get an extra 3% in points on every purchase, which makes your points 8% on each purchase, plus free shipping.

[score_building]

Sorry to hear first SCT ever was an epic fail open and close wasted INQ and AAoA hit