topic Re: Comenity SCT causes hard pull in Credit Card Applications

Comenity SCT causes hard pull

Anonymous — Sun, 15 Jul 2018 18:16:09 GMT

Just wanted to let everyone know that I just tried the SCT at Victoria’s Secret.

I clicked checkout and immediately got an offer that said “PRE-APPROVED” for $350 pop up. So I followed the prompts. Only asked for last 4 of SS.

Got the 7-10 day message and immediately was alerted to a hard pull on Experian. I knew this might happen so not a big deal but definitely didn’t work as I’d hoped. I guess it’s better not to risk it at all.

I read many times if you get a pre-approved pop-up it will definitely be a soft pull. Not so for me

Re: Comenity SCT causes hard pull

Anonymous — Sun, 15 Jul 2018 18:40:31 GMT

Yeah, SCT does not guarantee a SP approval.

Good rule of thumb: If the card is not worth a HP to you, don’t risk it.

Re: Comenity SCT causes hard pull

Anonymous — Sun, 15 Jul 2018 19:34:48 GMT

Something must have changed in your report from the time they pre-approved you and the time you tried to apply.

Re: Comenity SCT causes hard pull

Meanmchine — Sun, 15 Jul 2018 23:26:25 GMT

It could just be a verification letter. You might still be "alive"