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DP’s on a Comenity SCT approval card!

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New Contributor

DP’s on a Comenity SCT approval card!

Wasn't sure if this was more fitting for this group of the Rebuilders, but for whatever they're worth.....

 

Data Points: L-Brands Card (aka the “Pink Angel” card)

 

Applied: Online on Victoria’s Secret’s website utilizing the SCT method.

 

Approved: Yes; $500 SL

 

Annual Fee: No; $0

 

Rewards: Various in-store promos.

 

SUB: $15 off first purchase.

 

Hard Pull: None (used SCT method).

 

Bureau Scores on date of Application:

TU - 640 (FICO 8); 679 (VS)
EQ - 629 (FICO 8); 664 (FICO 9); 631 (VS)
EX - 658 (FICO 8); 676 (FICO 9)

 

Number of Inquires:
TU - 17 total; 1/3; 3/6; 11/12
EQ - 21 total; 1/3; 4/6; 12/12
EX - 24 total; 3/3; 8/6; 17/12

 

Number of Derogatory Accounts Reporting:
3 (1 paid medical collection on TU and EQ; 2 C/O’s on all three bureaus)

 

Credit Age:
AAoA - 33 months;
AAoOA - 10 months;
AoOA - 17 years 2 months (closed), 3 years 7 months (open);
AoYA - less than a week

 

Other noteworthy data points: Applied via SCT (Shopping Cart Trick) method. Registered account, put about $150 of merchandise in the cart via private browser in Safari on my iPad (iOS) and got the offer. Got the offer, applied, was approved and closed the transaction. I do not recall getting a email confirmation of the approval.

 

I applied for this card because: Wanted to test the SCT method and see if it works. Won’t know for certain until I have the card in hand, but it looks promising.

Starting Score: 486 - June 2019
Current Score: Lowest - 629 (EQ 8); Highest - 676 (EX 9)
Goal Score: 800+


Take the myFICO Fitness Challenge

Started with a 486 in early 2019. Made lots of mistakes along the way, but learned what to do by doing a lot of what I shouldn’t. That said, my top five rebuilder accounts are:
1) Self
2) Credit Strong
3) SDFCU Secured
4) H-D Visa Secured
5) Citi Diamond Secured
Message 1 of 14
13 REPLIES 13
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Established Contributor

Re: DP’s on a Comenity SCT approval card!

Congrats on the approval!

Hopefully you're actually going to have use for it and just didn't do it to test if it'd work. Otherwise I'm sure there would have been better ones to test it out and you could find use for.
- | - Mee'sa not'ta Jar'Jar Bink'sa. Mee'sa just like'sa the word'sa BOMBAD! - | -


BK7 Discharged 12/16 - | - EQ8/9: 696/730 | TU8: 738 | EX8: 733
Message 2 of 14
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Valued Contributor

Re: DP’s on a Comenity SCT approval card!

Congratulations on your approval and thanks for sharing DP's! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 3 of 14
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Community Leader
Mega Contributor

Re: DP’s on a Comenity SCT approval card!

CongratsSmiley Happy SCT has been scarce of late but thsnks for dps. Please add them to @ImTheDevil  big thread in applicationsSmiley Happy

Message 4 of 14
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Moderator

Re: DP’s on a Comenity SCT approval card!

Excellent, and thanks for the data points.

Message 5 of 14
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Super Contributor

Re: DP’s on a Comenity SCT approval card!

Congratulations on your approval!
Message 6 of 14
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Epic Contributor

Re: DP’s on a Comenity SCT approval card!

Congratulations!

popcorn eating emoticon.gif

Message 7 of 14
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Valued Contributor

Re: DP’s on a Comenity SCT approval card!


@BigGib82 wrote:

Number of Inquires:
TU - 17 total; 1/3; 3/6; 11/12
EQ - 21 total; 1/3; 4/6; 12/12
EX - 24 total; 3/3; 8/6; 17/12


You've been BUSY Smiley Wink  Congrats! on your approval & thanks for the SCT heads-up. Smiley Happy

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 8 of 14
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Valued Contributor

Re: DP’s on a Comenity SCT approval card!

Congratulations on your approval!



Current FICO 8:

Credit Age:

Inquiries:

Goal Cards:


Message 9 of 14
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New Contributor

Re: DP’s on a Comenity SCT approval card!


@mrEus wrote:
Congrats on the approval!

Hopefully you're actually going to have use for it and just didn't do it to test if it'd work. Otherwise I'm sure there would have been better ones to test it out and you could find use for.

I have women in my life.  Plus, I know it can be used at BBW and I actually enjoy their "man scents."  Lol.

Starting Score: 486 - June 2019
Current Score: Lowest - 629 (EQ 8); Highest - 676 (EX 9)
Goal Score: 800+


Take the myFICO Fitness Challenge

Started with a 486 in early 2019. Made lots of mistakes along the way, but learned what to do by doing a lot of what I shouldn’t. That said, my top five rebuilder accounts are:
1) Self
2) Credit Strong
3) SDFCU Secured
4) H-D Visa Secured
5) Citi Diamond Secured
Message 10 of 14
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