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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

Re: The SP SCT Alive Again? DP Please.


@Tabiason1970 wrote:

SCT in mid-June results. Wayfair & Overstock = SP. Ikea = HP on EX


Thanks Tab!





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 61 of 75
Senior Contributor

Re: The SP SCT Alive Again? DP Please.


@BurnedTheWorld wrote:
I have been able to get VS, Brylane home and NY&C without the HP. It's been almost 3 weeks since I got them and did not see a HP till now. I just pulled my reports 4 days back.

Thanks. Your results have been added!





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 62 of 75
Valued Contributor

Re: The SP SCT Alive Again? DP Please.


@FireMedic1 

I love this topic.  SCT is so cool, can't help it.  Comenity offers MC/Visa/Store cards...like Wheel of Fortune, just spin.  High sl, low sl, bankrupt.  Those Pop-ups are fun to get! Smiley Tongue  

 

Rebuild Oct. 2018: Scores High 500's
Current Scores: Mid 700's
"My Take Home Pay Don't Take Me Home"

|Synovus LOC 75k| Cap1 Venture (AU)| Cap1 Savor| Disco-It| Disco Chrome(AU)| Lowes (AU)| Home Depot(AU)| UltamateMC| Good Sam VS|
Message 63 of 75
Community Leader
Super Contributor

Re: The SP SCT Alive Again? DP Please.

@LauraC

I love your enthusiasmSmiley Happy. But do be careful with the SCT. It has gotten many into trouble for various reasons. Cards you get that one doesnt really use, or playing with Comenity can have bad consequences, even through no fault of the applicant. I finally closed my last Comenity card and though i never had issues, trying to walk a tightrope with a skittish lender like Comenity shouldnt be part of this game lol.

I know many need something like the SCT but after rebuilding these past 4 years, ive come to learn, taking a hp isnt the end of the world and just picking the right card for you shouldnt be relegated to whether one can get a freebie when messin around playin double ditch with a shopping cartSmiley Wink. Ok, carry on , lol😏
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 64 of 75
Valued Contributor

Re: The SP SCT Alive Again? DP Please.


@AverageJoesCredit 

It's Crack man!

Rebuild Oct. 2018: Scores High 500's
Current Scores: Mid 700's
"My Take Home Pay Don't Take Me Home"

|Synovus LOC 75k| Cap1 Venture (AU)| Cap1 Savor| Disco-It| Disco Chrome(AU)| Lowes (AU)| Home Depot(AU)| UltamateMC| Good Sam VS|
Message 65 of 75
Community Leader
Super Contributor

Re: The SP SCT Alive Again? DP Please.

Dont step on no crack, or you gonna break yo momma's backSmiley Wink Hard PullSmiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 66 of 75
Valued Contributor

Re: The SP SCT Alive Again? DP Please.


@AverageJoesCredit wrote:
Dont step on no crack, or you gonna break yo momma's backSmiley Wink Hard PullSmiley Wink

Oh my! You takin’ me back to the day with that one!!

"Hover mouse over cards to see CL and APR info"


Message 67 of 75
New Contributor

Re: Comenity Shopping Cart Trick


@LauraC wrote:

NOTE: if you don't want a low limit add about $290.00 worth of stuff, that way you might not get a pop-up for a $250.00 cl....that's not a fact but that's just my thinking with experimenting.  


I added a $100 item and wound up with $5k Overstock SL.

Message 68 of 75
Valued Contributor

Re: Comenity Shopping Cart Trick


@Dilbert934 wrote:

@LauraC wrote:

NOTE: if you don't want a low limit add about $290.00 worth of stuff, that way you might not get a pop-up for a $250.00 cl....that's not a fact but that's just my thinking with experimenting.  


I added a $100 item and wound up with $5k Overstock SL.


Haha, I'm so glad you proved that theory wrong. Of course, if your profile doesn't support a larger sl then having that much in the cart might would prevent the pop-up to begin with (maybe?...heck, Idk) lol!  ...pulling at straws here trying to figure it out (laughable)

But Congrats on the sweeeeeet sl Smiley Wink

Rebuild Oct. 2018: Scores High 500's
Current Scores: Mid 700's
"My Take Home Pay Don't Take Me Home"

|Synovus LOC 75k| Cap1 Venture (AU)| Cap1 Savor| Disco-It| Disco Chrome(AU)| Lowes (AU)| Home Depot(AU)| UltamateMC| Good Sam VS|
Message 69 of 75
Valued Contributor

Re: Comenity Shopping Cart Trick


@Dilbert934 wrote:


I added a $100 item and wound up with $5k Overstock SL.


Would you share some DP's?  Hp/sp?  scores?  amt. of new accts?  all that kinda stuffSmiley Tongue

Rebuild Oct. 2018: Scores High 500's
Current Scores: Mid 700's
"My Take Home Pay Don't Take Me Home"

|Synovus LOC 75k| Cap1 Venture (AU)| Cap1 Savor| Disco-It| Disco Chrome(AU)| Lowes (AU)| Home Depot(AU)| UltamateMC| Good Sam VS|
Message 70 of 75