SCT - why does it never pop up for me?

[Anonymous]

I am not trying to add just anything but do have a couple cards I would like to get for the customer bonuses you get with them and at the same time be able to appreiate the CL to help my total trade lines.

However, I don't want a hard pull.  Why does the SCT never seem to work?

My scores are bordering 700 across the board, 694-698.  Never had a baddie or a late.  Newer file as I am 20.  

[Anonymous]

Most important, SCT is not always  a HP.  You will most likely see the HP after a couple or few months from getting approved.  I would wait until your scores go up and apply for a card you actually need/will use.

Edit: Sorry, i meant "is not always a SP".

[Anonymous]

I would recommend going to a site that is know if it to work almost all of the time. I had not ever seen it work either, until two days ago. I went to Boscov’s (https://www.boscovs.com/) and the pre-approved pop-up came up for me.

If it does not work with your regular browser like Chrome for example, try going to the site in "Incognito" mode. You also have to make sure that your address matches your credit file address exactly! If your street name is abbrevated on your file,  abbrevate it on your application.

Good luck!

[kiea]

I believe you have to be opt in for credit card offers.  That is how I was able to get it to pop up. 

https://www.optoutprescreen.com/opt_form.cgi

I received 3 cards using the SCT.

Also when you checkout make sure you choose: Checkout as guest

[Jnbmom]

I had trouble with never getting pop ups either. I finally set up a new account with my work email and got a pop up for wayfair. I haven't tried any others that way as Wayfair was the only card I was interested in.

Good luck

[Anonymous]

Thanks for responding.

I don't want the hard pull that's my main down right now being young but I would take some I shop at - especially at the holidays / bdsays etc - for the perks.  If it was't a hard pull.

My bio is old.  I am at EQ 697  TU 688 Ex 698

I have a full 2 years on several cards with decent increases

NFCU 5500 / 11l loc / ewer 1500 cc

USAA was 7k now 11k

Disvoer ; hates me 800 for some reason even tho i pif;  have a current -35 balance

Pen Fed; loc 500 never used but just there ( I hate this bank)

2 Paid off Harley Davidson loans

Citi 2500

BOA ; not loving them either

Amazon store 6k

Care Credit

Anyway, I have some creit but would like to build it more.  With more sitting for utilzation 

[Anonymous]

What comenity cards are you trying to get? It doesn't work for all of them.  Try clearing your browser cache. Make sure you don't have pop-ups blocked.  Make sure you enter your address matches your credit report exactly.  Also try at Victoria Secret first.  I believe that is easiest to get to pop up.  Make sure you have something in your cart and check out as guest.  Enter your address and hit next and it should pop up.  Of course don't apply for Victoria Secret if you don't want it but you can see if your browser and address are working there.  

[Anonymous]

I edited my comment, i meant "it's not always a SP".

[outofcredit]

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@Anonymous wrote:

I am not trying to add just anything but do have a couple cards I would like to get for the customer bonuses you get with them and at the same time be able to appreiate the CL to help my total trade lines.

However, I don't want a hard pull.  Why does the SCT never seem to work?

My scores are bordering 700 across the board, 694-698.  Never had a baddie or a late.  Newer file as I am 20.  

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Not sure if this is a valid reason in reference to the SCT but maybe it's because you are under 21.  I was under the impression that credit card companies couldn't "prequalify" anyone under 21 years of age. I consider the SCT with the SP to be a prequalifier. That's my opinion and I may be totally off base.  Maybe someone else can clarify this whether age might be a factor.  I know they aren't supposed to know your age before you actually get the "pop-up" but they must know something in advance to trigger it in the first place.

[AppHappyTog]

I only ever got the pop ups via SCT by being in incognito mode through Chrome. 

I also agree with above poster, being under 21 *may* have something to do with it? 

Honestly though, I’d probably leave well enough alone- it looks like you’ve got a decent profile and just letting your profile age and grow the limits you have would do you more good than picking up SCT cards. I regret all but one mine and in retrospect I wish I hadn’t fallen down that hole. Not to mention they started hitting me with hard pulls for CLI requests... totally negated the whole no pull thing and they made up for it, for sure.