topic Re: Overstock SCT??? in Credit Card Applications

Overstock SCT???

Anonymous — Wed, 05 Aug 2015 01:16:50 GMT

i read somewhere that now if you do the overstock SCT, that it is now a hard pull. Can anyone confirm that this is true or not? I was going to try their shopping cart trick because i want to get a humidifier

Re: Overstock SCT???

Anonymous — Wed, 05 Aug 2015 01:40:56 GMT

Well when I did the Sct in May on vickies website I was assuming it was a Sp, they only asked for my last 4, dob, and maybe income but now that I look at my EQ report it's showing a hp on that same day n I didn't apply for anything at that time. so maybe they changing up....

Re: Overstock SCT???

Anonymous — Wed, 05 Aug 2015 07:13:21 GMT

I just did the Overstock SCT about a little over a month ago and it was just a SP.

Re: Overstock SCT???

Kirmie2010 — Wed, 05 Aug 2015 07:40:55 GMT

There was a bunch of confusion, what I gathered from reading was;

The SCT VISA Comenity cards are now hard pulls, there are no more Comenity VISA cards that will give a SP from a SCT.

Store cards are still SP via the SCT.

Dont know if thats true, I added Overstock after "the change" and it was a SP. (via the SCT)

Some have posted they got a hard pull but most report they are softs. Some people apply for the store card instead of doing the SCT and say they got a HP. Some may just get a HP and others dont. Some are apping for VISA cards and saying its a SP, others disagree. Lots of conflicting information But generally thats what I gathered from it.

Re: Overstock SCT???

Anonymous — Wed, 05 Aug 2015 07:46:59 GMT

@Kirmie2010 wrote:
There was a bunch of confusion, what I gathered from reading was;

The SCT VISA Comenity cards are now hard pulls, there are no more Comenity VISA cards that will give a SP from a SCT.
Store cards are still SP via the SCT.

Dont know if thats true, I added Overstock after "the change" and it was a SP. (via the SCT)

Some have posted they got a hard pull but most report they are softs. Some people apply for the store card instead of doing the SCT and say they got a HP. Some may just get a HP and others dont. Some are apping for VISA cards and saying its a SP, others disagree. Lots of conflicting information But generally thats what I gathered from it.

I agree with the conflicting info - I guess it's a YMMV thing. From my experience, if I cold app'd for a Comenity card (i.e. not using the SCT) I got a HP every time. The time I used the SCT (for Overstock) it was only a SP.

I do believe that all Comenity Visa/Mastercards are all HPs, whether you use the SCT or not - although as stated above, some people claim to have gotten them with a SP.

Re: Overstock SCT???

Anonymous — Wed, 05 Aug 2015 09:53:30 GMT

Got my Overstock card about 5 months ago through SCT and it was definitely a SP.

Re: Overstock SCT???

Anonymous — Wed, 05 Aug 2015 14:15:42 GMT

@Anonymous wrote:
i read somewhere that now if you do the overstock SCT, that it is now a hard pull. Can anyone confirm that this is true or not? I was going to try their shopping cart trick because i want to get a humidifier

I've had the Overstock card for over a month now and it was a soft pull. It did throw me off because they did ask for the entire SSN. But it was a SP for me. On the other side of the coin, I got a pop up for Modell's Visa card and while they asked for the 4 digit SSN, it was a hard pull. It was a Visa account so I was ok with it.

Re: Overstock SCT???

Anonymous — Fri, 18 Sep 2015 12:10:39 GMT

Yesterday, I clicked a link from an expired pre-approval email and entered my full SSN. I received the 7-10 day message. Today, I received an alert from EQ, it did result in a HP.

Re: Overstock SCT???

Anonymous — Fri, 18 Sep 2015 15:40:19 GMT

That was a cold app. SCT is a popup. The hard pull on Overstock is justifiable. its a good company with pretty good deals if you watch for the coupons only, use 0% financing, and use a shopping portal like ebates or fattywallet. The overstock account will grow I can't wait till 6 month statement.

Re: Overstock SCT???

Anonymous — Fri, 18 Sep 2015 15:48:45 GMT

Ah, I see. Lesson learned. I'd love to have one in the future.

Re: Overstock SCT???

cjdavis618 — Mon, 21 Sep 2015 01:04:57 GMT

Just app'ed for Overstock and Sportsmans guide using the SCT and I was approved for both with no HP. I use the MyFico monitoring and have no alerts. This was done Saturday the 12th. I had 674/671/678 scores and got $5500 on Ostock. No idea on Sportsmans guide as it should arrive this week.

Re: Overstock SCT???

Anonymous — Mon, 21 Sep 2015 01:45:25 GMT

@cjdavis618 wrote:
Just app'ed for Overstock and Sportsmans guide using the SCT and I was approved for both with no HP. I use the MyFico monitoring and have no alerts. This was done Saturday the 12th. I had 674/671/678 scores and got $5500 on Ostock. No idea on Sportsmans guide as it should arrive this week.

You can go onto Sportsman Guide/Comenity website and set up your account and it will display your CL or on that website bottom left hand side is the phone number and they can tell you your credit line. I recall on the Modell MVP Visa approval, it initially displayed that my limit on the approval screen a cl of 600.00 and I called in and was told my actual limit was 2,000. it's nice to hear that Sportsman Guide is still a soft pull, it was for me as well. Overstock had me concern because they asked for my entire SSN, but again a soft pull! Also when setting up your Overstock, hit the request increase, you will get between a 300 to 400 dollar bump. Congrats to you!

Re: Overstock SCT???

braznyc — Mon, 21 Sep 2015 03:30:21 GMT

Overstock (like all my commenity cards) were soft pulls via the sct. I have no HP on my reports.

Re: Overstock SCT???

Anonymous — Mon, 21 Sep 2015 11:37:28 GMT

I also was offered Overstock through sct. No hp as of yet (think one would have showed up by now, been 4-5 days). Recieved 500, then hit luv button to 700. GL

Re: Overstock SCT???

credgirl — Tue, 22 Sep 2015 01:51:38 GMT

I did the sct within the last month...sp.

Re: Overstock SCT???

Anonymous — Tue, 22 Sep 2015 04:12:21 GMT

I used the SCT to get Overstock store card and Sportmans Guide Visa about 3 months ago and it was a SP.

I did the SCT to get a Modells Visa about 2 months ago and it was a HP.

hth