@CreditCuriousity wrote:
@CH-7-Mission-Accomplished wrote:
Can I confim that Total Rewards and Virgin are SP only? Are they SCT? I have a Total Rewards account I set up, but I don't see how you would use a shopping card trick. Do you have to book a hotel stay?
I learned today that Sportsman's Guide is a SP only using SCT.
All three cards EXPECT a HP for. You might get lucky and get a SP for the SGV or Virgin America or Total Rewards, but most people get hit with HP's. So if you cannot afford a HP or don't want one don't apply for these cards as there is a GOOD chance you will get a HP whether it is the day you appy or a few days down the road. Just my 2 cents and as always YMMV as recent scenarios of a few people getting away with SP approvals althoug comenity "changed" their policy to supposibly be HP's for all visa/mc products.
w/regards to Total Rewards SCT just got to login site and if you are pre-approved it wil pop-up when you log in site without having to do anything else as long as they have your address. I had the pop-up and it was a HP against my Experian report.
This was my understanding, but in another thread today, a senior member on here told me that I was wrong about these cards causing HPs. I only asked again in this thread because I wanted to hear it from somebody else. I am getting totally different information from senior members of this board so I'm confused.
I do understand you should be prepared for a HP if you apply for credit. I would like to get the straight skinny, though, since there is some clear disagreement on here today.
I am not planning on apping for any of these cards at this time, but I keep a constantly updated list so when I go on my next app spree, I have my choices listed in priority order.
... Now, Virgin America is on my way 
