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The Newest SP SCT Alive Again?

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Frequent Contributor

Re: The SP SCT Alive Again? DP Please.

I got a preapproval for Williams Sonoma, but they want my entire SS number. I'm not taking the chance! I also don't get a literal pop-up, but a box on the page that says I'm pre-approved. I've tried this with Williams Sonoma a few months ago and had the same thing.

 

My FICO scores are gradually going up and my util is still high (but a lot less high). I wouldn't say no to a Williams Sonoma if it were an SP but I'm not at all confident of that as yet.

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


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Message 141 of 394
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Frequent Contributor

Re: The SP SCT Alive Again? DP Please.


@tenaya wrote:

I got a preapproval for Williams Sonoma, but they want my entire SS number. I'm not taking the chance! I also don't get a literal pop-up, but a box on the page that says I'm pre-approved. I've tried this with Williams Sonoma a few months ago and had the same thing.

 

My FICO scores are gradually going up and my util is still high (but a lot less high). I wouldn't say no to a Williams Sonoma if it were an SP but I'm not at all confident of that as yet.


I got rocked for a HP with a recent Ikea App which I thought would be a SP. Only issue is I double dipped immediately for a CLI and bonked on the second dip before I got the EX alert Smiley Frustrated. So I dont know which action caused the HP... the initial App or the second dip Denial. Either way, Comenity can be fickle from what others have stated depending on who knows what. For a time, it was noted that they slapped HPs on a good portion of the SCTs. That seemed to have calmed down since but who knows now with lending standards tightening again. Better to play it safe unless its something youre willing to pull a HP for.

08/2019:
12/2019:

~ This is Chess... It ain't Checkers!!! ~


Message 142 of 394
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New Member

Re: The SP SCT Alive Again? DP Please.

I got pre-approved offers with Comenity using SCT for Williams and Sonoma (WS)($250), Express Next (Ex) ($500) and Stage Stores ($250). Use the LUV button for WS and Ex (7-10 day ltr) denied CLI once I got the letter due to need to developing purchasing history. LUV on Stage and got add'l $250. Then 2 weeks letter get a letter in the mail for pre-approved with J. Crew. I said what the heck, applied with last 4 digits and got instant approval of $250. All had SP.

A week later I tried using Children's Place and got the 7-10 day letter. Received letter and it stated that I recently opened a card and needed to wait 30 days from date of the letter to apply using sct.

I have not had success with Overstock, BedBathandBeyond, Barney's New York (appears to be switching), Mattress Firm, Meijer or GameStop.

SCT still works. Any success on Sycronmy. I know they don't do SCT but would be easy to try to get a foot in?

Message 143 of 394
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Senior Contributor

Re: The SP SCT Alive Again? DP Please.


@TheOneMamba wrote:

Received letter and it stated that I recently opened a card and needed to wait 30 days from date of the letter to apply using sct.

 

Any success on Sycronmy. I know they don't do SCT but would be easy to try to get a foot in?


You can try Synchrony on QVC.  It worked for me and gave me my sl which was very cool!  

Did the letter really state "from date of the letter to apply using sct" or implied something similar?

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 144 of 394
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New Member

Re: The SP SCT Alive Again? DP Please.

Oh no Smiley Happy It just stated to apply 30 days after the date of the letter.

Message 145 of 394
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New Member

Re: The SP SCT Alive Again? DP Please.

Did you do the sct for QVC? Pop-up appeared?

Message 146 of 394
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Senior Contributor

Re: The SP SCT Alive Again? DP Please.


@TheOneMamba wrote:

Did you do the sct for QVC? Pop-up appeared?


I've had an acct. with QVC for years but never used it more than 2 times.  While I was making a "for real" purchase the pop-up popped up. I was checking out when it happened.  It told me my cl would be $2300 so I jumped on it.  If you do get the offer, read the t&c throughly.  Idk if it's a guarantee that you will receive what it states but it worked for me.

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 147 of 394
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Valued Contributor

Re: The SP SCT Alive Again? DP Please.

Don't see much about the SCT on here anymore.....but for those interested it seems Wayfair does it now.   I ordered an item from them an a pre approval popped up.....didn't take it but it was interesting.

Message 148 of 394
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Super Contributor

Re: The SP SCT Alive Again? DP Please.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-SP-SCT-Alive-Again-DP-Please/td-p/5655...

 

The last data entry by forum member was from September 2019. It still seems to be a YMMV in terms of a HP or not. 






Message 149 of 394
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Super Contributor

Re: The SP SCT Alive Again? DP Please.


@ecxpa wrote:

Don't see much about the SCT on here anymore.....but for those interested it seems Wayfair does it now.   I ordered an item from them an a pre approval popped up.....didn't take it but it was interesting.


Yes the pop up may arise. But this thread was a knock off from another thread when the SCT was all HP's for a while. It did die down and there hasnt been any talk about SCT's for a while now. Since you didnt go for it. Still dont know if it would have been a SP or HP.

Thanks @Adkins 





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 150 of 394
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