topic Re: SCT Question..... in Credit Card Applications

SCT Question.....

Anonymous — Thu, 23 Apr 2020 23:09:41 GMT

Did the SCT for VS, Overstock and Wayfair earlier this month. Pulled the trigger on VS. Thought I'd space out the OS and WF cards. When I logged into the site, I'm being told I'm still pre-approved. However, I'm not getting a pop-up, but a banner.

Today, I got a mailer from OS saying I'm pre-approved. It provided a code that is good for 90 days. When it said that I was pre-approved for the card, it had an *. The * indicated "Subject to final credit approval."

So, that all said, if I pull the trigger on either of these, will it be a SP? Anyone else "circle back" on a SCT and still get the SP?

Thanks.

P.S. Mods, feel free to move if needed.

Re: SCT Question.....

Anonymous — Fri, 24 Apr 2020 03:43:27 GMT

I believe its YMMV when it comes to sp pulls and the sct.

Re: SCT Question.....

CivalV — Fri, 24 Apr 2020 19:43:25 GMT

I was preapproved via SCT pop up and while shopping a banner showed my preapproval. When I put my app in I was asked for my full SSN and recieved an HP...

Re: SCT Question.....

CBrow — Fri, 24 Apr 2020 20:32:41 GMT

Based on the wording, usually when it's subject to final credit approval, it means that they are going to obtain a copy of your credit report (hard pull). Most of the time, pre-approved doesn't mean you're already approved. It's more of a marketing tactic to entice you into applying for their product.

If you have a previous relationship with them, they MIGHT do a soft pull, but it's never a guarantee.

Re: SCT Question.....

Anonymous — Fri, 24 Apr 2020 23:09:56 GMT

@CivalV wrote:
I was preapproved via SCT pop up and while shopping a banner showed my preapproval. When I put my app in I was asked for my full SSN and recieved an HP...

Which card? Overstock?

Re: SCT Question.....

CivalV — Fri, 24 Apr 2020 23:40:50 GMT

Hey, yes Overstock.

Re: SCT Question.....

Anonymous — Fri, 24 Apr 2020 23:57:16 GMT

@CBrow wrote:
Based on the wording, usually when it's subject to final credit approval, it means that they are going to obtain a copy of your credit report (hard pull). Most of the time, pre-approved doesn't mean you're already approved. It's more of a marketing tactic to entice you into applying for their product.

If you have a previous relationship with them, they MIGHT do a soft pull, but it's never a guarantee.

I'm researching who they pull now. It appears to be mostly EQ, sometimes EX. I do have an existing Comenity card (VS). Just opened it though.

I'll likely give it a shot. My name big app won't be until around July and it's a guaranteed TU pull.

Re: SCT Question.....

Meanmchine — Sat, 25 Apr 2020 00:04:24 GMT

Most likely its gonna be a EQ HP

Good luck !

Re: SCT Question.....

GApeachy — Sat, 25 Apr 2020 01:38:34 GMT

Pretty sure it will be a HP. No popup; no sct; no chance of dodging the pull. If you can no longer get the popup (even in incognito) then that boat sailed.

Re: SCT Question.....

Anonymous — Tue, 28 Apr 2020 12:11:05 GMT

@Anonymous wrote:
Did the SCT for VS, Overstock and Wayfair earlier this month. Pulled the trigger on VS. Thought I'd space out the OS and WF cards. When I logged into the site, I'm being told I'm still pre-approved. However, I'm not getting a pop-up, but a banner.

Today, I got a mailer from OS saying I'm pre-approved. It provided a code that is good for 90 days. When it said that I was pre-approved for the card, it had an *. The * indicated "Subject to final credit approval."

So, that all said, if I pull the trigger on either of these, will it be a SP? Anyone else "circle back" on a SCT and still get the SP?

Thanks.

P.S. Mods, feel free to move if needed.

UPDATE: Approved 4/27! Appears to be SP! Here's how I did it:

1) Private Safari browser on iPad (iOS) with history cleared.

2) Loaded SC to do SCT for around $450 worth of products.

3) Though I had previously created an account, I did not log in and checked out as a guest.

4) Entered all my personal information and shipping information.

5) Went back and edited the fields, so everything was inputted manually.

6) Recieved the pop-up!!!!!

7) Entered my full SSN, and annual income.

8) Approved for $750 SL!

So far, no HP reported. It's been almost 24 hours and usually would have gotten a notification by now, so I think I'm in the clear! I'll post an update if this changes.

My only regret was I did this two previous times for bigger ticket items earlier in the day and got the pop-up. I wonder if I had placed a bigger ticket item in the SC, would I had gotten a larger SL? Oh well, if that's my biggest issue, I can't complain.

@FireMedic1

Re: SCT Question.....

GApeachy — Tue, 28 Apr 2020 12:16:47 GMT

@Anonymous You're the second person today, or yesterday really, that finally made the POP-UP happen via "Guest" checkout. Very cool and congrats!

As far as knowing whether or not a higher sl would have been due to a larger $ cart; who knows? But like you said, "can't complain"....yay you!

Re: SCT Question.....

FireMedic1 — Tue, 28 Apr 2020 17:38:01 GMT

Congrats @Anonymous I'll add your approval to the SCT Thread!