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The SP SCT Alive Again? DP Please.

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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 4, 2019:
Goal for December 2019: FICO 640-700
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $1000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $2,250, Walmart $500, Discover IT Cash Back $2000, Navy Fed cashRewards $1000, Shell (Citi) Fuel Rewards, $800, Navy More Rewards, $17,000, (Green Dot Platinum Secured, $200, to be cancelled.)

Starting Score: 539
Current Score: 665
Goal Score: 760


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Message 141 of 147
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.






~ This is Chess... It ain't Checkers!!! ~
Message 142 of 147
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 147
Valued 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?

"LEAVE A MESSAGE AT THE BEEP"
Message 144 of 147
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 147
New Member

Re: The SP SCT Alive Again? DP Please.

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

Message 146 of 147
Valued 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.

"LEAVE A MESSAGE AT THE BEEP"
Message 147 of 147
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