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The Newest SP SCT Alive Again?

QAMngrGirl
Frequent Contributor

Re: The Newest SP SCT Alive Again?

The little pop up thingy after you do the pre-screen acceptance, told me congrats you're pre-


@CreditCrusader wrote:

@QAMngrGirl wrote:

Just wanted to add, when I PIF accounts through CCCS I included VS and Express. (Don't know if anyone else was curious if this effects future SCT chances)

 

Since I completed that program, I've gotten pop ups for:

VS $1000 (didn't accept)

WS Store Card $1000 (didn't accept)

J Crew $500 (Didn't accept)

Good Camping Store Card $1500 (accepted) SP

OS $1500 (accepted) SP

Pottery Barn $2500 (accepted) SP

Grandin Road $2000 (accepted) SP

LOFT All Rewards MC $2000 (accepted) SP

New York & Co $1500 (Didn't accept)


Where are you seeing your credit limits BEFORE you accept/don't accept?



@CreditCrusader wrote:

@QAMngrGirl wrote:

Just wanted to add, when I PIF accounts through CCCS I included VS and Express. (Don't know if anyone else was curious if this effects future SCT chances)

 

Since I completed that program, I've gotten pop ups for:

VS $1000 (didn't accept)

WS Store Card $1000 (didn't accept)

J Crew $500 (Didn't accept)

Good Camping Store Card $1500 (accepted) SP

OS $1500 (accepted) SP

Pottery Barn $2500 (accepted) SP

Grandin Road $2000 (accepted) SP

LOFT All Rewards MC $2000 (accepted) SP

New York & Co $1500 (Didn't accept)


Where are you seeing your credit limits BEFORE you accept/don't accept?




approved for $$$ and I either keep going to accept or close it out to decline.


Message 481 of 487
QAMngrGirl
Frequent Contributor

Re: The Newest SP SCT Alive Again?

Wow sorry replying on my phone really screwed that up.


@QAMngrGirl wrote:

The little pop up thingy after you do the pre-screen acceptance, told me congrats you're pre-


@CreditCrusader wrote:

@QAMngrGirl wrote:

Just wanted to add, when I PIF accounts through CCCS I included VS and Express. (Don't know if anyone else was curious if this effects future SCT chances)

 

Since I completed that program, I've gotten pop ups for:

VS $1000 (didn't accept)

WS Store Card $1000 (didn't accept)

J Crew $500 (Didn't accept)

Good Camping Store Card $1500 (accepted) SP

OS $1500 (accepted) SP

Pottery Barn $2500 (accepted) SP

Grandin Road $2000 (accepted) SP

LOFT All Rewards MC $2000 (accepted) SP

New York & Co $1500 (Didn't accept)


Where are you seeing your credit limits BEFORE you accept/don't accept?



@CreditCrusader wrote:

@QAMngrGirl wrote:

Just wanted to add, when I PIF accounts through CCCS I included VS and Express. (Don't know if anyone else was curious if this effects future SCT chances)

 

Since I completed that program, I've gotten pop ups for:

VS $1000 (didn't accept)

WS Store Card $1000 (didn't accept)

J Crew $500 (Didn't accept)

Good Camping Store Card $1500 (accepted) SP

OS $1500 (accepted) SP

Pottery Barn $2500 (accepted) SP

Grandin Road $2000 (accepted) SP

LOFT All Rewards MC $2000 (accepted) SP

New York & Co $1500 (Didn't accept)


Where are you seeing your credit limits BEFORE you accept/don't accept?




approved for $$$ and I either keep going to accept or close it out to decline.


 


Message 482 of 487
Nikita2008
New Contributor

What’s with the shopping cart trick?

I was not previously aware, and probably never cared because I had crap credit. Still not perfect but shopping on Victoria's Secret last night and when I went to check out it said I was preappoved for their credit card. All I bought was some body products. I didn't bother taking the card, I'm not a big fan of Comenity or store cards in general. Shocked to see a pre approval though. I got NFCU, Discover and Amex Blue Cash in the past month, so I wouldn't take it right now even if I actually wanted it, but nice to see.

Message 483 of 487
chalupaman
Super Contributor

Re: What’s with the shopping cart trick?

I got some updates. 

 

My Appliances Connection card got here in the mail, and I pressed the LUV button and they gave me a CLI of $800. So I went from $3k to $3.8k on that card! Not bad. 

Turns out even though I didn't get an approval message online, I was approved for the NY and Company card as well. It's only $500, but I'm sure I can give a CLI button a try on that in a few months. 

 

As for other people in my family, my mom got a Williams Sonoma card and got a CLI from just $500 to $2000. I'll edit this post with even more updates later. 

Main cards: Penfed Power Cash Rewards - $10k, Kay Jewelers - $5.5k, Jared - $4.5k, Capital One Platinum - $3k, Best Buy - $2k, Amex Delta Gold (AU) - $1k, NFCU cashRewards - $500

Other cards I use atm: Firestone CFNA - $2.4k, CareCredit - $1.5k, Mercury MC - $1.5k, Amazon Store Card - $600, Ollo MC - $600, Mission Lane Visa - $500

Other TLs: Macy’s - $4k, Appliances Connection - $3.8k, Dell Preferred Account - $3.5k, Williams Sonoma - $2.1k, Wayfair Fortiva - $2k, NY & Company - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 685, EQ - 705, TU - 688
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $51.5k
Total Utilization: 5%

All bureaus are frozen for now.

It is possible to get your credit back into shape. Just be patient, let accounts age when needed and apply for what you need.

Message 484 of 487
Fromthetop
Established Member

Re: The Newest SP SCT Alive Again?

I know i'm supposed to be gardening but these SCTs looked attractive. I tried most from the list but I could only get Express and Appliances Connection to pop-up. Appliances Connection originally showed me that I pre-qualified for $4,500 but when I took the offer it went down to $2,700. No HPs yet and no emails too which is kind of weird. I really wanted the Overstock card. Long ago I cold apped for it and got denied LUL.

04/20 ; EX/TU/EQ 489
05/21 ; EX 723 EQ 736 TU 734
citi/thehomedepot, jpm/amazon, syb/oldnavy, gms/apple, syb/sweetwater
Message 485 of 487
MichaelMyers
New Contributor

Re: The Newest SP SCT Alive Again?

Does the SCT work if your credit file is frozen since it's a soft pull? All three of my reports have a security freeze. 

Fico 08
EQ 570
EX 573
TU 590
Message 486 of 487
designated_knitter
Established Contributor

Re: The Newest SP SCT Alive Again?

If they are simply frozen, they can still do a soft pull.  However, if you have them locked (only available through a subscription), then they need to be unlocked first.

Started Over Again after Cap1 Death Penalty:
06/15/2019:
03/02/2021:
04/06/2021:
05/28/2021:
Lesson Learned: DON'T POKE THE BEAR!!! THE BEAR WILL WIN!!!
Message 487 of 487
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