topic SCT noob questions in Credit Card Applications

SCT noob questions

Meanmchine — Fri, 22 Apr 2016 03:28:40 GMT

Hi everyone and happy friday.

I have 2 questions about sct.

1) When you fill your shopping cart and go to checkout, do you register with the site or do you check out as guest?

2) I know that SCT are soft pulls, does having a fraud alert on your CR kill your shot at getting a popup ?

Thanks

Re: SCT noob questions

Anonymous — Fri, 22 Apr 2016 14:01:54 GMT

1) You check out as a guest and once approve, you exit the buying process...

2) Having fraud alert on your report can interfere with it but it is a YMMV thing.

Re: SCT noob questions

Anonymous — Sat, 23 Apr 2016 05:43:34 GMT

Are there any other requirements? I mean, I get it's a popup so they likely have 0 information beforehand but I cannot get the popup at all. I've tried 3 browsers, disabled all popup blockers, tried private mode, cleared the cookies, cache and history. I even tried a different computer. No popup on overstock, express or sportswear or whatever it's called. Are they just like "nope! We can sense your poor credit from here!"?

Re: SCT noob questions

Pway — Sat, 23 Apr 2016 05:58:33 GMT

I believe the fraud alert on your credit file is the reason you are not getting the pop up's. However, it's a YMMV thing.

Re: SCT noob questions

CountryLivin — Sat, 23 Apr 2016 07:24:24 GMT

More than likely it's the fraud alert keeping it from happening.

Re: SCT noob questions

UncleB — Sat, 23 Apr 2016 11:55:44 GMT

If you think about it, if you have a fraud alert you should be relieved that the SCT isn't working. If it worked, that would indicate a problem.

The SCT is instant credit by definition, in other words they do a SP and deem you eligible for credit. There is no way to work verification into the process, since if they are unable to give you credit right away it's no longer considered 'instant'.

The whole purpose of a fraud alert is to prevent this very thing.

Re: SCT noob questions

Anonymous — Sat, 23 Apr 2016 12:28:11 GMT

Just a suggestion to read prior to considering applying for any SCT cards. SCT cards are all issued by Comenity Bank.

It's always helpful to research and be informed before making decisions, especially if you are new to SCT as you mention.

http://ficoforums.myfico.com/t5/Credit-Cards/Just-slammed-by-Comenity-Bank/td-p/4507729

Re: SCT noob questions

Meanmchine — Sat, 23 Apr 2016 15:38:59 GMT

Thx everyone for the replys. I kinda figured the fraud alert was the main problem. Im guessing that the FA

will also cut down on the pre-approved offers in the mail Kudos for the help

Re: SCT noob questions

Anonymous — Sat, 23 Apr 2016 20:59:23 GMT

@UncleB wrote:

The SCT is instant credit by definition, in other words they do a SP and deem you eligible for credit.

I think this also answers my question about why I wasn't getting the popup. If I'm not getting it at any time on the site, that just must mean they did the softpull and determined I didn't qualify. Pretty simple solution as to why I'm not getting the popup!

Re: SCT noob questions

UncleB — Sat, 23 Apr 2016 21:10:45 GMT

@Anonymous wrote:
@UncleB wrote:

The SCT is instant credit by definition, in other words they do a SP and deem you eligible for credit.

I think this also answers my question about why I wasn't getting the popup. If I'm not getting it at any time on the site, that just must mean they did the softpull and determined I didn't qualify. Pretty simple solution as to why I'm not getting the popup!

Assuming you don't have a fraud alert, if you don't get the pop-up it could also mean that your information isn't an exact match. If your address is "123 Highway 12" and you enter "123 Hwy 12" that could even be enough of a difference, since it's not an exact match.

You can get your 'standardized' address from the USPS website if you're unsure of how it should be exactly.

Re: SCT noob questions

westcoastpeach1965 — Mon, 02 May 2016 20:14:36 GMT

I've gotten three and have always registered. It took me leaving stuff in my cart for about a week and going in every day and pretending to check out before I got them. Two of them requested my full SSN, but the last was only the last 4 digits. All were SPs from Comenity as I never saw a HP on my report. Personally, I think that's the only way to get the "pop-up" because how else would they know who you were to offer you credit without your address, email, phone number, something. Just my experience.

Re: SCT noob questions

Meanmchine — Tue, 03 May 2016 17:58:34 GMT

Thanks for the reply. Right now im 96% positive that my FA on my CRs is stopping the sct popup. Being that I do not feel comfortable lifting my FAs, Im gonna have to just

try the SCT trick 6 months from now. My baddies really start falling off starting in Sept so ive decided to sit in the corner of the garden and drink my margaritias and watch my scores grow. But everytime i read about someone getting a new sct approval, my mouse finger begins to twitch

Re: SCT noob questions

westcoastpeach1965 — Tue, 03 May 2016 18:05:26 GMT

LOL...trust me, I understand! I need to garden, but I have never had much of a green thumb...