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Established Contributor
ptilda
Posts: 532
Registered: ‎11-30-2013
0

Sportsman's Guide?

Since I select my cards entirely based on looks... (bwahahahaha)

 

If I had been a little better edumachated, I would have done the SG SP (shopping cart trick) first before the other retail cards & the other several HPs on my credit. I'm pretty sure that, plus the fact that my CCs are all new (within 2 weeks) is why I got not a peep from SG.

 

So planning ahead, I'm now in the garden waiting for the HPs to age, and my new almost $9k in TL to report and show a beautiful util. Goal is not to carry a balance on any more than 2 cards at a time while I'm making an initial purchase on each of the retail cards (the 2 jewelry cards are frightening and exciting all at once! Immagine the bling!) I'm also planning to try for some CLIs in the next 3-6 months depending on the card.

 

Later, at least 6 months to a year from now, I'll go for one or two "real" cards and/or try to unsecure the secured ones. But I'm wondering if anyone has thoughts on the SG shopping cart trick? I'll keep trying every month or so, but how long do you think it might try to produce? I love that this card gives a decent limit with a SP. When will my 10 or so HPs matter little enough that I might get the offer? Anyone else have experience related?

My Wallet:Fidelity Amex $1K, DCU $3.9K, US Bank AeroMexico $300, Quicksilver $1.3K, Cap1 secured MC $750, DiscoverIT $200, Care Credit $5K, Sportsman Guide Visa $3K, Kay $3K, Jared $3K,American Airlines CC $3K, Amazon $2.9k, Walmart $2.2k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
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09Lexie
Posts: 25,030
Registered: ‎09-13-2012
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Re: Sportsman's Guide?

Valued Contributor
SunriseEarth
Posts: 3,392
Registered: ‎08-12-2013
0

Re: Sportsman's Guide?


09Lexie wrote:

IIRC, the scores are around 700 for the SG Visa


+1 to this.  

 

I'm interested in this when I qualify.  It'd be a nice replacement for that awful Credit One card of mine.


Start: 619 (Wally, 9/2013) | Current: 668 (Wally, 8/5/14), 703 (EQ myFICO 8/13/14)
Care Credit $10200 | AMEX BCE $4500 | AMEX Costco TE $3500 | Macy's Special Events $2900 | CU Visa $2500 | JCP $1900 | Sony Card $1500 | Walmart Store $1400 | Citi Double Cash $1200 | Macy's Revolving $1200 | Merrick $1200 | Amazon Store $1200 | Target $1000 | Cap 1 QS1 $1000 | VS $550 | Gold Violin $550 ~~Gardening Since 8/28/14
Valued Contributor
injustifiiable
Posts: 1,857
Registered: ‎03-30-2012
0

Re: Sportsman's Guide?

I didn't get the popup until my EQ went above 700...

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Established Contributor
ptilda
Posts: 532
Registered: ‎11-30-2013
0

Re: Sportsman's Guide?

Good to know. Thanks all! It will take a little groundwork to get there, but after the baddies come off & he inquiries age & the util goes up (new ccs will report) and pmts are regular, I'll be sittin pretty!

My Wallet:Fidelity Amex $1K, DCU $3.9K, US Bank AeroMexico $300, Quicksilver $1.3K, Cap1 secured MC $750, DiscoverIT $200, Care Credit $5K, Sportsman Guide Visa $3K, Kay $3K, Jared $3K,American Airlines CC $3K, Amazon $2.9k, Walmart $2.2k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
Established Contributor
missjae
Posts: 522
Registered: ‎07-18-2013
0

Re: Sportsman's Guide?

I was offered this card via sp when my scores were mid-high 600's across the board. I had high utility on many cards too. Tons of inquiries but my credit history had been established for years. The downside was the 2K limit (compared to other cards I had).

After working on my credit picture for a few months, I have cards with much higher limits and lower interest rates.

If any of that matters to you, waiting a little longer may work out better. I find that the SP approvals can be all over the board. Anyhow, keep trying and in general, the inquiries should have less of an impact after 6 mos and not really affect you after 1yr.
Established Contributor
ptilda
Posts: 532
Registered: ‎11-30-2013
0

Re: Sportsman's Guide?

I think I'll wait until I touch the 7s

My Wallet:Fidelity Amex $1K, DCU $3.9K, US Bank AeroMexico $300, Quicksilver $1.3K, Cap1 secured MC $750, DiscoverIT $200, Care Credit $5K, Sportsman Guide Visa $3K, Kay $3K, Jared $3K,American Airlines CC $3K, Amazon $2.9k, Walmart $2.2k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
Established Contributor
shane82388
Posts: 968
Registered: ‎07-16-2010
0

Re: Sportsman's Guide?


ptilda wrote:

I think I'll wait until I touch the 7s


I try this every once in a while just for fun...sometimes it works and sometines it doesnt but ive been in the 660-687 range and got the pop up...

$1200 $1250 $1250 NPSL $5300 $1350 $2537

$2250 $5000 $7500 $2416 $6500 $3000
Established Contributor
ptilda
Posts: 532
Registered: ‎11-30-2013
0

Re: Sportsman's Guide?

Good to know. I think this can be a good thing. But if I wait until the 700s, I have a better chance of starting with a good CL.

My Wallet:Fidelity Amex $1K, DCU $3.9K, US Bank AeroMexico $300, Quicksilver $1.3K, Cap1 secured MC $750, DiscoverIT $200, Care Credit $5K, Sportsman Guide Visa $3K, Kay $3K, Jared $3K,American Airlines CC $3K, Amazon $2.9k, Walmart $2.2k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
Established Contributor
shane82388
Posts: 968
Registered: ‎07-16-2010
0

Re: Sportsman's Guide?


ptilda wrote:

Good to know. I think this can be a good thing. But if I wait until the 700s, I have a better chance of starting with a good CL.


I'm pretty sure people getting that card are starting out with pretty plump limits.

$1200 $1250 $1250 NPSL $5300 $1350 $2537

$2250 $5000 $7500 $2416 $6500 $3000

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