Op. I couldn't get the SCT to work for me either. VS and Overstock were the only cards I wanted, but wouldn't come up for me. So I just applied for both. It was a hard pull. Both pulled my EQ. But, they use their own internal scores, not Fico.
Last year I got away without an HP on Total Rewards Visa & Sportsman Guide Visa. And the SL's were over 14k. Also a few others. Had Vickie's a long time so I just app'd for it. Didn't know about that secret.
