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    <title>topic Re: SCT - Shopping cart trick in Credit Card Approvals</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4341070#M353948</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/550121"&gt;@LadyJEsq&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;BR /&gt;&lt;P&gt;What may work for some may not work for others. &amp;nbsp;I am not judging anyone who utilizes the SCT, how can I, I have many, but if I have a change of heart, then it's my prerogative. Many people post that they close accounts that I would love to have, but I don't attack them or insinuate that they are turning their nose up at me because I may desire one of those cards. &amp;nbsp;&lt;/P&gt;&lt;BR /&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;And that's exactly my point. People here have this disdain for the SCT simply because they didn't use it prudently (and just so you don't think I'm attacking you again, I too have cards that I wouldn't have had I done my research but I wasn't as knowledgeable when I applied for them), and then discourage others from utilizing it even though it can be an invaluable tool. No one is saying that you can feel that it isn't for you, but to say "In the long run the SCT are not that great," can be disingenuous. So when newcomers (such as myself) come, they think that the SCT is a bad thing, when if utilized properly, it could really be a good thing&lt;/P&gt;&lt;P&gt;And no one is attacking you. That's more than a bit melodramatic.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;Roseyk wro&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;The SCT standards are pretty much the same for everyone, perhaps a few exceptions, but not many. &lt;STRONG&gt;&amp;nbsp;Granted limits may vary some, but I guarantee that you will not&amp;nbsp;get a SL with VS for 2K,&lt;/STRONG&gt; 😂😂. &amp;nbsp; &amp;nbsp;When I apped for SCT it was because they were easiest credit cards to acquire, it helped me establish credit, but now I tend to be more thoughtful in the application process. &amp;nbsp; Congrats to everyone who gets approved for the cards that they seek! &amp;nbsp;&lt;/BLOCKQUOTE&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;And this is what I don't get. How can you say that when the OP here got several cards via the SCT well over 2k and a VS?! And again, I'm not attacking you, I just find this odd that people keep saying things of this nature, when there is ample evidence to the contrary.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;You are so defensive. &amp;nbsp;I have gotten several &amp;nbsp;cards through the SCT at or over 2K, Overstock 4500.00, Motorola, 2500, Sportsman Visa 2500.00, HSN 2,000 and the list goes on. &amp;nbsp;I have Bon Ton and Barneys, and I won't even go into that. Now VS will not start you at 2,000 through the SCT. &amp;nbsp;It doesn't &amp;nbsp;mean that you can't get CLI over time, but not starting. &amp;nbsp;It's not odd, it's the truth. &amp;nbsp;I will close many of the accounts I acquired through SCT next year, I personally don't value them as much as I did when I first got them. &amp;nbsp;I will keep some because they remain useful, period. &amp;nbsp; Lastly, everyone has an opinion and you should respect that even if you disagree. &amp;nbsp;This is counterproductive and I will not respond to anymore of your rants. &amp;nbsp;Do you and let other do what is best for them. &amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Sun, 22 Nov 2015 13:41:34 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2015-11-22T13:41:34Z</dc:date>
    <item>
      <title>SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029806#M270909</link>
      <description>&lt;P&gt;Updated second time....:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Just got in via SCT:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Overstock - 7000&lt;/P&gt;&lt;P&gt;Victoria Secret - 500&lt;/P&gt;&lt;P&gt;Sportsman's Guide Visa &amp;nbsp;- 7000&lt;/P&gt;&lt;P&gt;JCrew - 500 + luv button = 1000&lt;/P&gt;&lt;P&gt;Virgin Airline Visa Signature - 6500&lt;/P&gt;&lt;P&gt;NY&amp;amp;C - 500&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;So it could be usefull for you guys !!!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Not a single HP !!!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Update #3: (11/22/2015)&lt;/P&gt;&lt;P&gt;So 180 days have passed&lt;/P&gt;&lt;P&gt;Overstock - 8200&lt;BR /&gt;Jcrew - 3250&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;;-)&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 22 Nov 2015 18:48:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029806#M270909</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-11-22T18:48:10Z</dc:date>
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    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029852#M270921</link>
      <description>&lt;P&gt;Nice limit on the Overstock.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Getting a VISA on a SP, doesn't get better than that &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 15:30:46 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029852#M270921</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T15:30:46Z</dc:date>
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    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029854#M270923</link>
      <description>&lt;P&gt;Congrats! &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 15:32:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029854#M270923</guid>
      <dc:creator>I-think-I-can</dc:creator>
      <dc:date>2015-05-25T15:32:55Z</dc:date>
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    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029918#M270955</link>
      <description>Congrats.</description>
      <pubDate>Mon, 25 May 2015 16:04:33 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029918#M270955</guid>
      <dc:creator>revjamesl</dc:creator>
      <dc:date>2015-05-25T16:04:33Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030240#M271074</link>
      <description>&lt;P&gt;&lt;FONT face="comic sans ms,sans-serif"&gt;&lt;EM&gt;Congrats&lt;/EM&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 18:28:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030240#M271074</guid>
      <dc:creator>alextercero</dc:creator>
      <dc:date>2015-05-25T18:28:28Z</dc:date>
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    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030261#M271083</link>
      <description>&lt;P&gt;Shopping Cart trick??? &amp;nbsp;Can you explain what this is?&lt;BR /&gt;Thanks!&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 18:42:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030261#M271083</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T18:42:14Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030264#M271085</link>
      <description>It is product by Comenity bank. You add something expensive to the shopping cart, enter name and address. Bam, you get "pre-approved" message. Please google "doctorofcredit shopping cart trick". He nailed it.</description>
      <pubDate>Mon, 25 May 2015 18:46:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030264#M271085</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T18:46:31Z</dc:date>
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    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030273#M271086</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;FONT color="#0000FF"&gt;It is product by Comenity bank&lt;/FONT&gt;. You add something expensive to the shopping cart, enter name and address. Bam, you get "pre-approved" message. Please google "doctorofcredit shopping cart trick". He nailed it.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;The shopping card trick is NOT a product. Just a way to get a Comenity store card with a soft pull as you describe-&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 18:52:04 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030273#M271086</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T18:52:04Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030274#M271087</link>
      <description>&lt;P&gt;&lt;FONT face="comic sans ms,sans-serif"&gt;Congrats on the approvals. &lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT face="comic sans ms,sans-serif"&gt;The shopping cart trick&amp;nbsp;worked for me on the&amp;nbsp;Sportsman's Guide Visa and also the Total Rewards Visa and the My Points Visa. So, maybe you'll have luck with those as well.&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 18:53:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030274#M271087</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T18:53:21Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030294#M271096</link>
      <description>&lt;P&gt;If u call sportsman guide visa they will tell u limit u were approved for I got mine month &amp;nbsp;ago I called and asked them limit so give them a call&lt;/P&gt;&lt;P&gt;so u don't have to wait til u get the card&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 19:06:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030294#M271096</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T19:06:54Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030409#M271107</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;Just got in via SCT:&lt;/P&gt;&lt;P&gt;Overstock - 7000&lt;/P&gt;&lt;P&gt;VS - 500&lt;/P&gt;&lt;P&gt;Sportsman's Guide Visa &amp;nbsp;- Unknown limit.... But I was approved.....&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;So it could be usefull for you guys !!!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Congrats. You can setup all three of these accounts online right now, and ask for CLI's immediately.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 20:19:48 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030409#M271107</guid>
      <dc:creator>DeeBee78</dc:creator>
      <dc:date>2015-05-25T20:19:48Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030437#M271109</link>
      <description>&lt;P&gt;Congratulations on your success!&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 20:40:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030437#M271109</guid>
      <dc:creator>App_Addict</dc:creator>
      <dc:date>2015-05-25T20:40:14Z</dc:date>
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    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030946#M271283</link>
      <description>&lt;P&gt;Also, J.CREW - was $750 )))&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Not bad.... )))&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Almost 90K spree over 1 month )))&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 00:59:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030946#M271283</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T00:59:31Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031411#M271373</link>
      <description>Will the SCT work on android smartphones? Thanks</description>
      <pubDate>Tue, 26 May 2015 04:44:19 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031411#M271373</guid>
      <dc:creator>ewrcjt</dc:creator>
      <dc:date>2015-05-26T04:44:19Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031469#M271382</link>
      <description>&lt;P&gt;Don't do what I did and try CLI after approvals. They hard pull those.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Android might work if you make sure you are always in view as desktop page mode. Everytime you open a new window ,or ones opened you have to babysit it and check the ok box again, so slimmer chances that way.&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 05:46:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031469#M271382</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T05:46:43Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031472#M271384</link>
      <description>&lt;P&gt;Whoo Hoo! &amp;nbsp;Congrats on all! &amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt; &amp;nbsp;7k for Overstock!&amp;nbsp;&lt;img id="smileysurprised" class="emoticon emoticon-smileysurprised" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-surprised.gif" alt="Smiley Surprised" title="Smiley Surprised" /&gt;&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 05:49:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031472#M271384</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T05:49:20Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031492#M271407</link>
      <description>&lt;P&gt;I wanted a j crew because members here say the CLI jumps way higher over other commenities, but alas, I had already applied for 3 in 3 weeks.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Is there a thread about within the commenities which ones are more LUVing? I think its worth discussion.&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 06:09:06 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031492#M271407</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T06:09:06Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031669#M271457</link>
      <description>Thanks fordguy89. I'll ll try the SCT with my computer just to be on the safe side.</description>
      <pubDate>Tue, 26 May 2015 13:07:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031669#M271457</guid>
      <dc:creator>ewrcjt</dc:creator>
      <dc:date>2015-05-26T13:07:27Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031801#M271486</link>
      <description>&lt;P&gt;What worked for me, was putting a sportsmans membership in my shopping cart as a Guest&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 14:40:36 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031801#M271486</guid>
      <dc:creator>Jerry45</dc:creator>
      <dc:date>2015-05-26T14:40:36Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031907#M271524</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/759147"&gt;@Jerry45&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;What worked for me, was putting a sportsmans membership in my shopping cart as a Guest&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;This is a good point. I had tried the SCT on Sportsman's Guide multiple times and never got the popup. Then I tried it by adding the membership to my cart in addition to other items and, presto! Got it.&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 16:01:09 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031907#M271524</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T16:01:09Z</dc:date>
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