topic Re: Sportmans Guide Pre Approval in Credit Card Applications

Sportmans Guide Pre Approval

Cory88 — Tue, 31 Aug 2021 02:06:33 GMT

Has anyone been pre approved when you did a check out will them lately and it was a SP for approval? Has anyone gotten any SP approval with Comenity lately?

Re: Sportmans Guide Pre Approval

FinStar — Tue, 31 Aug 2021 02:59:59 GMT

The following link should provide some insight, especially the last few pages:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Newest-SP-SCT-Alive-Again/td-p/5655276

A cursory search in the Approvals forum shows a mix of SP and some HP approvals using the SCT.

Comenity Pop Ups Approvals

Cory88 — Wed, 01 Sep 2021 16:19:18 GMT

Has anyone gotten any pre approvals lately with Comenity? I got one from the Sportsman's Guide Visa and that is it. Why can't I get ones from Bed Bath and Behind or BigLots stores that I would use?!?! LOL. If anyone has and taken the offer was it a SP or a HP?

Re: Comenity Pop Ups Approvals

4sallypat — Thu, 02 Sep 2021 14:23:49 GMT

Yes, Sportsman Guide Visa offer came up while shopping online (SCT).

The pop up window opened and was valid, they did a SP (last 4 SSN) and came back with $7500 SL.

I have had this card for 6 months now and try to use it less than 10% utilization and PIF....

Re: Comenity Pop Ups Approvals

Anonymous — Thu, 02 Sep 2021 19:39:14 GMT

@4sallypat wrote:
Yes, Sportsman Guide Visa offer came up while shopping online (SCT).

The pop up window opened and was valid, they did a SP (last 4 SSN) and came back with $7500 SL.

I have had this card for 6 months now and try to use it less than 10% utilization and PIF....

Did they run a hard pull once you were approved for their visa through the SCT?

Re: Sportmans Guide Pre Approval

CountryLivin — Sun, 05 Sep 2021 15:23:59 GMT

@Cory88 wrote:
Has anyone been pre approved when you did a check out will them lately and it was a SP for approval? Has anyone gotten any SP approval with Comenity lately?

I was approved for mine in October of 2020. I was making a purchase and got the pre approval pop up. It asked for the last 4 of my SS and I accepted....mine was a soft pull.

Re: Sportmans Guide Pre Approval

dustind — Sun, 05 Sep 2021 15:50:04 GMT

I recieved a shopping cart pop up in May and applied, approved $3800. Last 4 digit SSN, SP only. I was in the Dirty Mature ~700 FICO at the time.

Re: Comenity Pop Ups Approvals

4sallypat — Sun, 05 Sep 2021 15:50:17 GMT

@Anonymous wrote:
@4sallypat wrote:
Yes, Sportsman Guide Visa offer came up while shopping online (SCT).

The pop up window opened and was valid, they did a SP (last 4 SSN) and came back with $7500 SL.

I have had this card for 6 months now and try to use it less than 10% utilization and PIF....
Did they run a hard pull once you were approved for their visa through the SCT?

No HP.

It was a SP and instant approval online.

Immediate credit of $1000 was offered while shopping online but I waited until the card arrived and it was $7500.

One of my higher SL cards.

So far used it enough to pay for some free stuff (rewards points = $)....

Re: Comenity Pop Ups Approvals

Anonymous — Mon, 06 Sep 2021 13:51:18 GMT

@4sallypat wrote:
@Anonymous wrote:
@4sallypat wrote:
Yes, Sportsman Guide Visa offer came up while shopping online (SCT).

The pop up window opened and was valid, they did a SP (last 4 SSN) and came back with $7500 SL.

I have had this card for 6 months now and try to use it less than 10% utilization and PIF....
Did they run a hard pull once you were approved for their visa through the SCT?
No HP.
It was a SP and instant approval online.
Immediate credit of $1000 was offered while shopping online but I waited until the card arrived and it was $7500.
One of my higher SL cards.

So far used it enough to pay for some free stuff (rewards points = $)....

is the lender one of those lenders that always changes your credit limit? Meaning they lower your credit limit if you do not use their cards enough or add too many other lender credit cards?

Re: Comenity Pop Ups Approvals

coldfusion — Mon, 06 Sep 2021 15:02:51 GMT

@Anonymous wrote:
@4sallypat wrote:
@Anonymous wrote:
@4sallypat wrote:
Yes, Sportsman Guide Visa offer came up while shopping online (SCT).

The pop up window opened and was valid, they did a SP (last 4 SSN) and came back with $7500 SL.

I have had this card for 6 months now and try to use it less than 10% utilization and PIF....
Did they run a hard pull once you were approved for their visa through the SCT?
No HP.
It was a SP and instant approval online.
Immediate credit of $1000 was offered while shopping online but I waited until the card arrived and it was $7500.
One of my higher SL cards.

So far used it enough to pay for some free stuff (rewards points = $)....
is the lender one of those lenders that always changes your credit limit? Meaning they lower your credit limit if you do not use their cards enough or add too many other lender credit cards?

The short answer is yes Comenity will do this albeit not at the same degree as Synchrony for example. If you search this site you'll find examples.

Re: Comenity Pop Ups Approvals

Anonymous — Mon, 06 Sep 2021 21:07:05 GMT

@coldfusion wrote:
@Anonymous wrote:
@4sallypat wrote:
@Anonymous wrote:
@4sallypat wrote:
Yes, Sportsman Guide Visa offer came up while shopping online (SCT).

The pop up window opened and was valid, they did a SP (last 4 SSN) and came back with $7500 SL.

I have had this card for 6 months now and try to use it less than 10% utilization and PIF....
Did they run a hard pull once you were approved for their visa through the SCT?
No HP.
It was a SP and instant approval online.
Immediate credit of $1000 was offered while shopping online but I waited until the card arrived and it was $7500.
One of my higher SL cards.

So far used it enough to pay for some free stuff (rewards points = $)....
is the lender one of those lenders that always changes your credit limit? Meaning they lower your credit limit if you do not use their cards enough or add too many other lender credit cards?
The short answer is yes Comenity will do this albeit not at the same degree as Synchrony for example. If you search this site you'll find examples.

I think I will most likely never apply for any cards that are backed by those two lenders. Thank you for sharing your insight.