Overstock +HP ???

[Anonymous]

I got an HP for my Williams Sonoma card I SCT'd a few months ago for $400 SL.  Denied CLI.  I'm going to keep putting charges through for the 5% rewards and keep paying them PIF right after it posts.  Maybe they'll get annoyed with their ACH costs and just auto CLI me to a useful limit.

If they gave me $5000, I'd use it, I love their products and sales and tend to buy a lot of stuff from them.  Getting coupons to bring prices 20% lower than Amazon plus 5% additional rewards is very valuable to me.  $400 credit limit not so much.

My next purchases will all be $400 store gift cards, PIF, bundle them up to $2000 so I can actually buy something for $2000 but earn the rewards.

[Blackswizz750]

I just got CLI's on my overstock and Wayfair cars last week. I use them sparingly and its a chance for HP's. So far, only SP. I may just keep what I have with them as they are crazy like Sync.

[kdhith]

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@Anonymous wrote:

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@kdhith wrote:

Should I just go ahead and cancel it, I wonder?

K

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Yes. Better to close it than to have them close it for you.

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Thanks for that! I would have been really annoyed if they went ahead and did a HP for a card I don't really care about. It is canceled!

[dragontears]

It is an urban legend that it is "better" for a card to be closed by consumer; not even mortgage underwriting cares

[Anonymous]

i do currently have fraud alerts on my file.