cancel
Showing results for 
Search instead for 
Did you mean: 

Updated: SCT is now a HP! No more tricks!

FiresOut
Super Contributor

Updated: SCT is now a HP! No more tricks!

Updated 03/12/19  No more SP SCT's reported since mid October of 2018. All HP's. The SP SCT appears to be done. No more tricks.

 

From original post: It seems that more and more folks are geting HP's for the old SP SCT. Folks who applied from pop ups and/or pre-approvals can post if they recieved a HP or SP and what store did they apply with can be posted. This may help a lot of new people to avoid getting too many cards thinking the old SP SCT is still in effect when it seems its becoming a HP. Maybe a lurker or new member will see this thread and not go out and get 2,3,4 or 5 cards and then get hit with a ton of HP's.

 

 To the lurkers and new members. Try the prequals for bank CC's first before store cards. At least you can use them everywhere and not at a specific store. Unless you shop at one frequently. Then the HP might be worth it. 

 

Hard Pulls/SP Standings:

Overstock-15  SP-4 

Wayfair- 11-HP  2-SP

VS-8  SP-2 

Sportsman’s Guide-2 SP-1

J Crew-2 HP 1-SP

Total Rewards Visa-1  SP-1

Pottery Barn-2 (With Pre-Approved Letter) SP-1

West Elm-1 SP-1

New York & Co-5

Belks-3

BrylaneHome-2

Old Navy-2

Boscov-2

Pier One-2

Ann Taylor-2

Venus 1  SP-1

Game Stop 1 SP-1

Avenue
JC Penny

Eddie Bauer

JD Williams

Barneys

Coldwater Creek

HSN

 

 

Straight Soft Pulls:

Zippo

 

cart.jpg

 

 

Message 1 of 163
162 REPLIES 162
idolimage
Regular Contributor

Re: Unofficial SCT Approval with SP or HP Thread. DP's Please

I was approved for Wayfair store card. $1500. It was a SP. this was the last week of August 2018. I was also approved for king size direct, but didn’t accept as it was only $250. I hope this helps.

ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k

RIP:

Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 2 of 163
FiresOut
Super Contributor

Re: Unofficial SCT Approval with SP or HP Thread. DP's Please

Thanks. I'll try to keep a tally in Post#1 to keep track and narrow this down. What about your Zales. Was that a SCT? And was KSD a SCT too? SP or HP. Apprciate it.

Message 3 of 163
idolimage
Regular Contributor

Re: Unofficial SCT Approval with SP or HP Thread. DP's Please

Naw, that was a part of an app spree I think. I can't remember. I checked and I had HP from them, Overstock (Failed SCT) and Total Rewards Visa.
ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k

RIP:

Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 4 of 163
CashBackQueen
Frequent Contributor

Re: Unofficial SCT Approval with SP or HP Thread. DP's Please

Was on the Wayfair site a few months ago, got the pop-up at checkout, entered last four of ssn, approved, HP on Equifax. Same thing with Venus.
1/2/18 - bk7 dc • 2/21/21 progress:


TCL: $36,750 • UTIL: 1% AZEO
Message 5 of 163
blazerein
Frequent Contributor

Re: Unofficial SCT Approval with SP or HP Thread. DP's Please

Both of my pop up approvals from last month are EQ HP's after entering the last 4 digit of SSN:  Stores are New York & Co and BrylaneHome

AAoA 6yrs 5mos
Inquries: TU6/EQ7/EX6
Utilization: 7%
Mortgage: 1
Auto Loan: 2
Personal Loan: 2
Derogatory: 0



CREDIT UNION


EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 3/2021 - FICO 8


Message 6 of 163
woodogmom
Regular Contributor

Re: Unofficial SCT Approval with SP or HP Thread. DP's Please

"You're pre-approved" pop-up during checkout at the Avenue (Comenity store card). Hard pull on Equifax (OUCH!) Approved with $750 SL scores in signature, and that one made 7 pulls on Equifax this year (hence, the OUCH!) Smiley Happy




Goals: Gardening until November 2020; and FICO 8 Scores reach 750 TU/EX/EQ
Starting Score: 627
Current Score: 696
Goal Score: 750


Take the myFICO Fitness Challenge
Message 7 of 163
AverageJoesCredit
Community Leader
Mega Contributor

Re: Unofficial SCT Approval with SP or HP Thread. DP's Please

Just injecting real quick ,as it looks , many are getting hps after "being pre- approved" just goes to show if you are going to use a hp , make it count. Might as well apply for something you really want as opposed to apping for something because you are " pre approved" just my 2 centsSmiley Wink
Message 8 of 163
idolimage
Regular Contributor

Re: Unofficial SCT Approval with SP or HP Thread. DP's Please

Yeah Average, I made that mistake with JC Penny, Belk and A few others! Apping cause I knew I would be approved. Then I found this board and realized the error in my ways lol. Now I am only apping dor what I want like NFCU and Penfed and Discover. Gardening my NFCU and other accounts at the moment.
ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k

RIP:

Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 9 of 163
missliz
Frequent Contributor

Re: Unofficial SCT Approval with SP or HP Thread. DP's Please

Overstock opened April 2018 - SP w/ a SL $250 - currently $4950
Wayfair opened July 2018 - HP w/ a SL $1000 - currently $5350
Both SCT



Message 10 of 163
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.