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The SP SCT Alive Again? DP Please.

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Senior Contributor

The SP SCT Alive Again? DP Please.

Since I had the "SP SCT was now a HP" thread that started last year. Everyone was getting a HP from Comenity after the end of Sept/Oct time frame when the SP died out.

Recently there has been some posters claiming they have been approved thru the pop ups and mailers. No HP was performed on their credit reports. So has Comenity gone back to the old days of the SCT with only a SP?

If you were approved for a Comenity store card with a SP only and would like to share your data points. Please list which card you were approved for with a SP via pop up, mailer, or even a cold app. And add a couple DP's like your FICO score too. If you were hit with a HP. Let us know 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 most of all. Fire Away! 🔥 Just remember its a YMMV thing until its a steady flow of SP approvals. Apply at your own risk.
First Report of SP SCT May '19 Added results from old SCT HP Thread.
Updated July 15th
Overstock SP 6 HP 3 YMMV

Wayfair 2 HP 1 YMMV

Ikea SP 4 HP1 YMMV

Good Sam Rewards Visa 2 HP1 YMMY

Williams Sonoma SP 2 HP 3 YMMV

Simply Bee 1
VS 1
Childrens Place 2
Venus 2
Ultamate MC 1

VS 1

Brylane Home 1

NY&C 1





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
Message 1 of 75
74 REPLIES 74
Senior 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. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
Message 2 of 75
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 75
Senior 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. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
Message 4 of 75
Senior 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. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
Message 5 of 75
Regular 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: July 1, 2019:
Goal for December 2019: FICO 640-700
Green Dot Secured, $200 limit  Overstock Store Card, $250 limit Walmart Store Card, $200 limit Discover IT Cash Back, $1500 limit
Navy Fed cashRewards, $1000 limit
Green Dot Secured $200, Overstock $250, Walmart $200, Discover IT Cash Back $1500, Navy Fed cashRewards $1000

Starting Score: 539
Current Score: 662
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 6 of 75
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 75
Senior 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. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
Message 8 of 75
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 7/17/2019
Starting Scores: Equifax 527 Experian 555 Transunion 546
Current Scores: Equifax 645 (FICO 8, July 2, 19) Experian 657 (FICO 8 - July 4, 19) Transunion 631 (FICO 8 - June 6, 19)

Message 9 of 75
Senior 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. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
Message 10 of 75