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The Newest SP SCT Alive Again?

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Super Contributor

The Newest SP SCT Alive Again?

Since I had the "SP SCT was now a HP" thread that started in 2018. Everyone was getting a HP from Comenity after the end of Sept/Oct 2018 time frame when the SP died out. Old thread here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Updated-SCT-is-now-a-HP-No-more-tricks/td-... 
Updated thread description May 7, 2020:
This thread is now a year old and it seems Comenity has gone back to the old days of the SCT with only a SP in most cases. Although some HP's do show up at times and theres no set data points that determines a SP from a HP from collecting data ponits for the last year. So if you were approved for a Comenity store card with a SP or HP and would like to share your data points. Please list which card you were approved for via pop up, mailer, or even a cold app. And add a couple DP's like your FICO score too.

I'll do as I did in the old thread and keep a tally on who's hot and who's not. Keep in mind. Only go for a store card that you'll use. Don't just go out and get a bunch of store cards. Not good for you AAoA's.  Just remember its a YMMV thing.  Apply at your own risk. First Report of SP SCT returning was May 2019. Good Luck. And congrats if you were successful. Fire Away! 🔥

 

Updated Aug 2nd

Comenity/CCB Cards:

Overstock SP 16  HP 5  YMMV

Wayfair 6 HP 6 SP YMMV

Ikea SP 4 HP 1SP YMMV

Good Sam Rewards Visa SP 5 HP 2 YMMV

Williams Sonoma SP 6 HP 4 YMMV

West Elm HP 1 SP 1  YMMV

VS SP 8  HP 1  YMMV
Childrens Place SP 4 HP 1 YMMV

New Appliances Connection 1 SP

Ann Taylor MC New Card 2 SP

Sportsman Guide SP 5

Brylane Home SP 1 

Pottery Barn SP 2

Express SP 3

Venus SP 3
Ultamate MC SP 2 

Brylane Home SP 1

NY&C SP 1

J Crew SP 1

Avenue SP 2

Simply Bee SP 1

Boscov HP 11 

Sephora HP 1

Ulta SP 1

 

Capital One Cards:

Kohls Pre Approval HP 1





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
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Super Contributor

Re: The SP SCT Alive Again? DP Please.

Once I get home from working the track. I'll go find the recent approvals and start the tally once I'm on my PC. 👍




My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 363
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Frequent Contributor

Re: The SP SCT Alive Again? DP Please.

Was approved for Williams Sonoma Visa card with the SC trick. Put three items in my cart. Went to check out, and the offer came up. Was approved about two weeks ago with a credit limit of $5,500. FICO is 732. 4 inq. on my credit report, AAOA is 7 years. Received my card on Tuesday (6/18) and activated the card. I still have not received a HP.

Message 3 of 363
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Super Contributor

Re: The SP SCT Alive Again? DP Please.


@hollifield7034 wrote:

Was approved for Williams Sonoma Visa card with the SC trick. Put three items in my cart. Went to check out, and the offer came up. Was approved about two weeks ago with a credit limit of $5,500. FICO is 732. 4 inq. on my credit report, AAOA is 7 years. Received my card on Tuesday (6/18) and activated the card. I still have not received a HP.


Tx for the DP's!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 4 of 363
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Super Contributor

Re: The SP SCT Alive Again? DP Please.

So I gathered all the approvals from the old closed thread and recent threads in the approval section and they are now listed in the first post. As before I'll keep it updated as we move along and see if its true that the old SP SCT has come back to life. Stay Tuned!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 5 of 363
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Frequent Contributor

Re: The SP SCT Alive Again? DP Please.

I got a preapproval offer from Williams Sonoma (I already have an Overstock card) but I'm too chicken to finish the application. I put something in my shopping cart, entered my checkout/billing info as a guest, and saw the "you're pre-approved" offer. Honestly, I'd rather wait a few months as I just got approved for a Navy Fed card. But this is a card that I wouldn't mind having. I'll be following this thread!

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: May 3, 2020:
Goal for December 2019: FICO8 640-700 (reached! Fico 681!)
Goal for December 2020: FICO8 685-710
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $2000Shell Citi store card, $800Navy More Rewards, $17,000AMEX Cash Magnet, $1000Citizens Bank, $2,800Amazon Prime Store Card, 1700Cap1 QS, $1000FBNO Visa, $1600RIP Green Dot Platinum
Overstock $7,750, Walmart $500, Discover IT Cash Back $2400, Navy Fed cashRewards $2000, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17,000, AMEX Cash Magnet $1000, Citizens Bank Cash Back $2,800, Amazon Store Card $1700, Cap1 QS $1000, FBNO Visa $1600, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 678
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 6 of 363
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Valued Contributor

Re: The SP SCT Alive Again? DP Please.

Well I decided to try it. I was approved for $1000 for William Sonoma. I didn't think it would be HP, but it was I just got the notification from Equifax, 12 HP inquiries last 2 years(double pull from Amex for Amazon Business Prime account). Equifax FICO 735. I also had a chapter 7 bakruptcy discharged in 2012.

 

Guyatthebeach

 

 

Message 7 of 363
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Super Contributor

Re: The SP SCT Alive Again? DP Please.


@Guyatthebeach wrote:

Well I decided to try it. I was approved for $1000 for William Sonoma. I didn't think it would be HP, but it was I just got the notification from Equifax, 12 HP inquiries last 2 years(double pull from Amex for Amazon Business Prime account). Equifax FICO 735. I also had a chapter 7 bakruptcy discharged in 2012.

 

Guyatthebeach

 

 


Sorry for the HP. Thanks for the DP's. Congrats either way.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 8 of 363
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Valued Member

Re: The SP SCT Alive Again? DP Please.

Another for the Ikea Projekt card. $5,500 approval with preapproval link. No HP so far. I will update with an edit to this post if anything changes.

 

Sadly, they did do a HP from EX. In my case that's fine. Most everyone has been pulling from EQ or TU lately for everything else.

Gardening Starting 10/17/2019


Starting Scores: Equifax 527 Experian 555 Transunion 546
Current Scores: Equifax 645 (FICO 8, July 2, 19) Experian 654 (FICO 8 - Oct 1, 19) Transunion 635 (FICO 8 - Sept 24, 19)


Total CL: $14,500
Message 9 of 363
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Super Contributor

Re: The SP SCT Alive Again? DP Please.


@liqwidzero wrote:

Another for the Ikea Projekt card. $5,500 approval with preapproval link. No HP so far. I will update with an edit to this post if anything changes.


Thanks. Yes please let us know and congrats!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 10 of 363
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