topic Re: DP’s on a Comenity SCT approval card! in Credit Card Approvals

DP’s on a Comenity SCT approval card!

Anonymous — Tue, 07 Apr 2020 10:01:19 GMT

Wasn't sure if this was more fitting for this group of the Rebuilders, but for whatever they're worth.....

Data Points: L-Brands Card (aka the “Pink Angel” card)

Applied: Online on Victoria’s Secret’s website utilizing the SCT method.

Approved: Yes; $500 SL

Annual Fee: No; $0

Rewards: Various in-store promos.

SUB: $15 off first purchase.

Hard Pull: None (used SCT method).

Bureau Scores on date of Application:

TU - 640 (FICO 8); 679 (VS)
EQ - 629 (FICO 8); 664 (FICO 9); 631 (VS)
EX - 658 (FICO 8); 676 (FICO 9)

Number of Inquires:
TU - 17 total; 1/3; 3/6; 11/12
EQ - 21 total; 1/3; 4/6; 12/12
EX - 24 total; 3/3; 8/6; 17/12

Number of Derogatory Accounts Reporting:
3 (1 paid medical collection on TU and EQ; 2 C/O’s on all three bureaus)

Credit Age:
AAoA - 33 months;
AAoOA - 10 months;
AoOA - 17 years 2 months (closed), 3 years 7 months (open);
AoYA - less than a week

Other noteworthy data points: Applied via SCT (Shopping Cart Trick) method. Registered account, put about $150 of merchandise in the cart via private browser in Safari on my iPad (iOS) and got the offer. Got the offer, applied, was approved and closed the transaction. I do not recall getting a email confirmation of the approval.

I applied for this card because: Wanted to test the SCT method and see if it works. Won’t know for certain until I have the card in hand, but it looks promising.

Re: DP’s on a Comenity SCT approval card!

Anonymous — Tue, 07 Apr 2020 10:55:24 GMT

Congrats on the approval!

Hopefully you're actually going to have use for it and just didn't do it to test if it'd work. Otherwise I'm sure there would have been better ones to test it out and you could find use for.

Re: DP’s on a Comenity SCT approval card!

Anonymous — Tue, 07 Apr 2020 13:01:55 GMT

Congratulations on your approval and thanks for sharing DP's! 👍

Re: DP’s on a Comenity SCT approval card!

AverageJoesCredit — Tue, 07 Apr 2020 14:16:26 GMT

Congrats SCT has been scarce of late but thsnks for dps. Please add them to @Anonymous big thread in applications

Re: DP’s on a Comenity SCT approval card!

gdale6 — Tue, 07 Apr 2020 15:14:56 GMT

Excellent, and thanks for the data points.

Re: DP’s on a Comenity SCT approval card!

AllZero — Tue, 07 Apr 2020 15:17:18 GMT

Congratulations on your approval!

Re: DP’s on a Comenity SCT approval card!

M_Smart007 — Tue, 07 Apr 2020 15:57:28 GMT

Congratulations!

Re: DP’s on a Comenity SCT approval card!

Anonymous — Tue, 07 Apr 2020 16:55:17 GMT

@Anonymous wrote:
Number of Inquires:
TU - 17 total; 1/3; 3/6; 11/12
EQ - 21 total; 1/3; 4/6; 12/12
EX - 24 total; 3/3; 8/6; 17/12

You've been BUSY Congrats! on your approval & thanks for the SCT heads-up.

Re: DP’s on a Comenity SCT approval card!

CreditAggie — Tue, 07 Apr 2020 18:45:40 GMT

Congratulations on your approval!

Re: DP’s on a Comenity SCT approval card!

Anonymous — Tue, 07 Apr 2020 23:20:26 GMT

@Anonymous wrote:
Congrats on the approval!

Hopefully you're actually going to have use for it and just didn't do it to test if it'd work. Otherwise I'm sure there would have been better ones to test it out and you could find use for.

I have women in my life. Plus, I know it can be used at BBW and I actually enjoy their "man scents." Lol.

Re: DP’s on a Comenity SCT approval card!

Anonymous — Tue, 07 Apr 2020 23:29:32 GMT

@Anonymous wrote:
@Anonymous wrote:
Number of Inquires:
TU - 17 total; 1/3; 3/6; 11/12
EQ - 21 total; 1/3; 4/6; 12/12
EX - 24 total; 3/3; 8/6; 17/12
You've been BUSY Congrats! on your approval & thanks for the SCT heads-up.

Yeah, everything older than 12 months (except for maybe two) are falling off between now and July 4th.

Re: DP’s on a Comenity SCT approval card!

FireMedic1 — Wed, 08 Apr 2020 08:43:10 GMT

@AverageJoesCredit wrote:
Congrats SCT has been scarce of late but thsnks for dps. Please add them to @Anonymous big thread in applications

Whos thread @AverageJoesCredit ? LOL!!!!!!!! He cant edit my stuff you nut case.

Re: DP’s on a Comenity SCT approval card!

Anonymous — Wed, 08 Apr 2020 08:48:27 GMT

Congrats on your approval!

Re: DP’s on a Comenity SCT approval card!

Anonymous — Wed, 08 Apr 2020 12:51:38 GMT

Congratulations!