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

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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

 

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My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 1 of 163
162 REPLIES 162
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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
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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.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 3 of 163
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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
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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.


BK7 DC 1/2/2018
Starting Score: 512 Experian FICO 8, 1/7/2018
12/2019 FICO 8's: EXP 641 // TU 646 // EQ 665
Current Util: 4% TCL: $27,750
Message 5 of 163
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Regular 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 7yrs 11mos
Inquries: TU7/EQ6/EX8
Utilization: less than 25%
Mortgage
Auto Loan
Personal Loan
Derogatory: 0


Starting Scores FICO 8 (Aug '18):
EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 1/2020
Message 6 of 163
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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
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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
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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
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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
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