topic Re: Overstock Question re: SCT in Credit Card Applications

Overstock Question re: SCT

RebuildingAgain14 — Thu, 11 Dec 2014 22:23:16 GMT

Hi Fellow Forum Members,

Quick question in terms of the Overstock SCT. I could use this type of account to finish out my Christmas shopping, but don't want to take the HP.

Anyway, I created an account on Overstock a while back, and can never seem to get the pop-up. I realize I may just not get the pop-up , but I'm wondering if anyone has any tips or tricks they want to share re: the Overstock pop-up. Ie-should I try to create a different account, or..?

Thanks in advance!! :-)

Re: Overstock Question re: SCT

Anonymous — Thu, 11 Dec 2014 22:28:19 GMT

Try this: use chrome incognito mode, add 200-300 dollars worth of random stuff to your cart and then use guest checkout. Make sure you enter your billing/shipping address exactly the way it appears on your credit report. If you do all this you might get the popup

Re: Overstock Question re: SCT

DeadlyPersona — Thu, 11 Dec 2014 22:30:14 GMT

Definitely subscribing to this post because I have been looking at some of the Egypitian towels on that site and I don't want to do a HP. Eager to get some answers.

Re: Overstock Question re: SCT

iwannam3 — Thu, 11 Dec 2014 22:36:10 GMT

once you get to the payment screen click the area where you input your credit card number and wait for the pop up is what i did to trigger it. another member suggested it in their thread.

Re: Overstock Question re: SCT

RebuildingAgain14 — Thu, 11 Dec 2014 23:01:09 GMT

glaucoma wrote:

When checking out, the only two options are 'sign in' or 'create new account'...

Re: Overstock Question re: SCT

Anonymous — Thu, 11 Dec 2014 23:28:17 GMT

Ah okay, well a good method to try would be to do the exact thing i suggested but create a new account.

Remember to follow all the same rules (i.e use the address, name, etc exactly as it is on your score report). The logic behind this is that both creation of account and guest checkout will likely stimulate the same block of serverside "preapproved" code to run resulting either in a popup appearing or not appearing assuming the server can pull your report properly; however, remember that the page for buying the product will appear regardless of whether the preapproved block works or not. (they still want the customer to buy their stuff).

Also i would caution you on the SP HP issue, if you do get the popup and accept it, its not guaranteed it won't be a HP. I got a HP for my FRN mastercard even though i got the popup.

Re: Overstock Question re: SCT

Anonymous — Fri, 12 Dec 2014 04:02:30 GMT

From what I recall, you do have to have an account to get the popup...I remember that my Overstock account automatically had the credit card number inserted in so I could order even before getting card Somebody else said once you click the Billing is same as shipping address button, it popped up.

I don't remember from my experience exactly what I did but I do know it's a SP for Overstock up to this point.

Your credit score may be a factor. The lowest I've seen to get the Overstock popup is 620. on EQ I believe.

Re: Overstock Question re: SCT

Anonymous — Fri, 12 Dec 2014 04:04:09 GMT

Does anyone know who they softpull? I thought my score was around 660 for EQ but it's actually 692 Fico. I may try for the pop up myself.

Re: Overstock Question re: SCT

Anomalous — Fri, 12 Dec 2014 04:51:02 GMT

@Anonymous wrote:
Does anyone know who they softpull? I thought my score was around 660 for EQ but it's actually 692 Fico. I may try for the pop up myself.

I believe they SP EX.

Re: Overstock Question re: SCT

Anonymous — Fri, 12 Dec 2014 05:03:37 GMT

@Anomalous wrote:
@Anonymous wrote:
Does anyone know who they softpull? I thought my score was around 660 for EQ but it's actually 692 Fico. I may try for the pop up myself.
I believe they SP EX.

Re: Overstock Question re: SCT

Anomalous — Fri, 12 Dec 2014 05:42:04 GMT

@Anonymous wrote:
@Anomalous wrote:
@Anonymous wrote:
Does anyone know who they softpull? I thought my score was around 660 for EQ but it's actually 692 Fico. I may try for the pop up myself.
I believe they SP EX.
EQ

I stand corrected. I couldn't recall without going back to review my CRs.

Re: Overstock Question re: SCT

RebuildingAgain14 — Fri, 12 Dec 2014 05:50:58 GMT

@Anonymous wrote:
From what I recall, you do have to have an account to get the popup...I remember that my Overstock account automatically had the credit card number inserted in so I could order even before getting card Somebody else said once you click the Billing is same as shipping address button, it popped up.

I don't remember from my experience exactly what I did but I do know it's a SP for Overstock up to this point.

Your credit score may be a factor. The lowest I've seen to get the Overstock popup is 620. on EQ I believe.

I figured that might be the issue, until someone posted about 'finally' getting the pop-up a few days ago--with a 600 EQ score.

Re: Overstock Question re: SCT

NP27 — Fri, 12 Dec 2014 09:18:24 GMT

SP EQ

Re: Overstock Question re: SCT

SunriseEarth — Fri, 12 Dec 2014 09:25:35 GMT

@Anonymous wrote:
@Anomalous wrote:
@Anonymous wrote:
Does anyone know who they softpull? I thought my score was around 660 for EQ but it's actually 692 Fico. I may try for the pop up myself.
I believe they SP EX.
EQ

Most report EQ. However, they SP'ed EX for me.

Re: Overstock Question re: SCT

SunriseEarth — Fri, 12 Dec 2014 09:26:47 GMT

@Anonymous wrote:
From what I recall, you do have to have an account to get the popup...I remember that my Overstock account automatically had the credit card number inserted in so I could order even before getting card Somebody else said once you click the Billing is same as shipping address button, it popped up.

I don't remember from my experience exactly what I did but I do know it's a SP for Overstock up to this point.

Your credit score may be a factor. The lowest I've seen to get the Overstock popup is 620. on EQ I believe.

This is similar to my experience.

Re: Overstock Question re: SCT

sreneesa — Fri, 12 Dec 2014 15:35:03 GMT

My scores were lower than 620 when I got the pop-up and approved for 2000. That was a few months ago. Now im at 2400 thanks to luv button. ..my scores are better now.

@Anonymous wrote:
From what I recall, you do have to have an account to get the popup...I remember that my Overstock account automatically had the credit card number inserted in so I could order even before getting card Somebody else said once you click the Billing is same as shipping address button, it popped up.

I don't remember from my experience exactly what I did but I do know it's a SP for Overstock up to this point.

Your credit score may be a factor. The lowest I've seen to get the Overstock popup is 620. on EQ I believe.

Re: Overstock Question re: SCT

Anonymous — Fri, 12 Dec 2014 15:56:31 GMT

Thanks for the information. I tried the SCT and nothing for me. I tried firefox, IE, chrome and chrome icognito, nada!

Re: Overstock Question re: SCT

Anonymous — Fri, 12 Dec 2014 17:54:54 GMT

You do not have to already have an account. They have been SP'ing Experian. All I did was check the box for Billing Same As Shipping and I got the popup. I checked out as a Guest.

Re: Overstock Question re: SCT

Bdj1 — Wed, 15 Apr 2015 12:07:45 GMT

I just went to overstock, chrome incognito, added memory foam bed at just over 300, went with guest checkout, ....

"You have been pre-approved
for an Overstock™ Store Credit Card**"

For how much? Limit? HP? SP?

"* Coupon can only be used once. Total discount limited to $5,000. Does not apply to items in current site promotions. Purchases of gift cards and products from the "Electronics" store and from the "Books, Movies, Music & Games" and "Cars" categories are not included. Discount will appear on the billing page before submitting the order. This coupon cannot be combined with any other offer or coupon. Offer subject to end at any time. Offer subject to credit approval.

† Promotional financing available with Overstock.com Store Credit Card Accounts offered by Comenity Capital Bank who determines qualifications for credit and promotion eligibility. Minimum purchase and minimum monthly payments are required. Minimum purchase of $249 required for 6 months special financing plan and minimum purchase of $499 required for 12 month special financing plan when financing plan is selected at checkout.

‡ Standard variable APR of 26.99%, based on the Prime Rate. Minimum Interest is $2.00 per credit plan.

**Subject to final credit approval. Overstock.com Store Credit Card Accounts are issued by Comenity Capital Bank. Please click here for important rate, fee and other cost information."

...

My fico is just around 700, plus/minus 10.

Not going to accept or apply. Just an FYI for those who were interested.

Re: Overstock Question re: SCT

Anonymous — Wed, 15 Apr 2015 12:19:56 GMT

@Bdj1 wrote:
I just went to overstock, chrome incognito, added memory foam bed at just over 300, went with guest checkout, ....

"You have been pre-approved
for an Overstock™ Store Credit Card**"

For how much? Limit? HP? SP?
..

My guess would be for a $4,500 limit and an EQ SP.

Only 1 way to find out