topic Re: SCT Question in Credit Card Applications

SCT Question

MrBEW — Tue, 13 Apr 2021 16:15:40 GMT

Just to be clear..If you perform a SCT and they ask for your FULL ss#, that means it will result in a HP..correct?

Re: SCT Question

Brian_Earl_Spilner — Tue, 13 Apr 2021 16:46:51 GMT

It doesn't matter which they ask for. They'll HP if that's what they're currently doing.

Re: SCT Question

FinStar — Tue, 13 Apr 2021 19:57:35 GMT

As mentioned above, I would expect a HP. If it ends up being a SP, then great. It also can depend on the CC you're applying for. Most of the retail SCT variety can be SP, but not always.

Also, if you're applying for any of their V/MC CCs, be sure SageStream is not frozen.

Re: SCT Question

MrBEW — Wed, 14 Apr 2021 01:25:57 GMT

Thanks for the info...

It was for an Overstock card. I'll just ignore the preapproval. Not interested in a HP on a card I won't use that often.

Re: SCT Question

Mischa — Sun, 18 Apr 2021 00:43:25 GMT

I got an Overstock card via SCT a few weeks ago. They did ask for full SSN, but it was a SP.

Of course idk if it'll be the same for you, but just wanted to share that full SSN doesn't automatically equal HP. This is my 3rd Comenity card via SCT, always a SP.

Re: SCT Question

4sallypat — Sun, 18 Apr 2021 14:14:34 GMT

I recently did a SCT with Sportsman's Guide VISA issued by Comenity.

Asked for last 4 digits, SP and $7500 SL.

It's my second Comenity account (after the defunct Virgin Airways card)....