I've noticed that the SCT turns up offers when my score is where it is now--680-687. I got it up over 700, and decided it was time to get rid of my secured cards and replace them with new prime cards. I also took advantage of the 0% offers and bonuses and now my util is at about 18% with several cards showing balances. When I was over 700 I had one card showing a small balance and had a util % of about 2%.
Now I am getting the SCT pop up on almost every Comenity site I test it. Things that never popped up before, like Pottery Barn, are suddenly showing pre-qual offers. When I was over 700, the only thing showing up was Express and Victoria's Secret, which were the first to show up when my scores were starting to climb.
It's been several months since my new accounts, inquiries and balances have pulled my score back down to 680, so I can't believe it's just a lag that I'm seeing and that these offers are based on a +700 score. I did app for a Wayfair card and got a really nice balance, so there was no "nevermind, your score is too low now" kind of response.
@ddemari wrote:
Interesting pottery barn is showing a PreApproval. I didn't think they did sct.
Great data point, OP, as far as your scores are concerned. My EQ is not as high as yours by any stretch, but, I've just started getting decent approvals with Comenity just very recently, now that I'm free of collections.
I just tested this out, thinking that now that they have a fresh report in their system for me (just approved for RH with a HP), I may get lucky. Pre-approval just popped up for me! I SWORE I was done after getting back in with Amex this weekend. This is one I have really been wanting. So hard to not hit accept right now!
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@ddemari wrote:
Interesting pottery barn is showing a PreApproval. I didn't think they did sct.
You were correct until recently.. Not sure when they changed but SCT has not been the previous experience for this card. But I just tried and got this..(no I did not accept.. locked in the garden)
@someg33k wrote:
@ddemari wrote:
Interesting pottery barn is showing a PreApproval. I didn't think they did sct.You were correct until recently.. Not sure when they changed but SCT has not been the previous experience for this card. But I just tried and got this..(no I did not accept.. locked in the garden)
Oh man
If it wasn't for my own gardening and needing to push ahead the AAOA i would so jump to this!
Big Congrats!
Interesting data points.
