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Overstock Approval - SCT Worked!

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Established Member

Overstock Approval - SCT Worked!

Was reading about all the posts I could on how to use the 'Shopping Cart Trick'. Been wanting to get the Overstock Card as they have so much stuff for the home and we're wanting to fix up things this year as we prepare for a mortgage refi at the end of the year. So went through the whole shopping cart checkout process 'slowly' and low and behold the pre-approval popped up. Accepted. $3K limit.

Current Accounts - Mortgage; LFCU Loan $5K; NFCU CLOC $15k; GreenSky Loan $1.2K; Nissan Motor Credit (Business) $25K; IndigoCard $300; Christopher & Banks $1700; AMEX BCE $1K; Lowes $300; NFCU More Rewards AMEX $10,000









Message 1 of 18
17 REPLIES 17
Community Leader
Senior Contributor

Re: Overstock Approval - SCT Worked!

Excellent. However I would watch your reports the next few days to see if a delayed HP does pop up as it’s been happening to a lot of people the last several months.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 2 of 18
Community Leader
Super Contributor

Re: Overstock Approval - SCT Worked!

Congratulations on the approval

Message 3 of 18
Valued Member

Re: Overstock Approval - SCT Worked!

Wowww! That’s a great sl for the sct!!! I thought they only started u off with small cl!😊
Message 4 of 18
Community Leader
Mega Contributor

Re: Overstock Approval - SCT Worked!

Congrats on your approval 

Message 5 of 18
Community Leader
Mega Contributor

Re: Overstock Approval - SCT Worked!

CongratsSmiley Happy i too would lend caution. People read the old threads or the outdated info on DoC snd assume SCT is free with no hp. Data points recently say otherwise. Hope you snuck one in but be wary of hp.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 6 of 18
Valued Contributor

Re: Overstock Approval - SCT Worked!

Congratulations on your approval!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(18k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (4.5k✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 693(7) EQ 687(9)TU 708(10)
AAOA 4yrs TCL=332,600
Message 7 of 18
Senior Contributor

Re: Overstock Approval - SCT Worked!

Congrats on approval and nice SL !!!

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 18
Valued Member

Re: Overstock Approval - SCT Worked!

Just want to confirm my experience of an Overstock HP about 2 weeks ago.

 

Did the SCT and was approved for $750. Instant notification for inquiry from Experian.

 

However, once I got the card in the mail I gave the luv button some attention and instantly went to $1,550. Hit it again and went to $2,350.


FICO 8: 6/13/2019 - 10.5%
Message 9 of 18
Established Member

Re: Overstock Approval - SCT Worked!

Yeah, this ended up being a HP on Equifax. But that's interesting about the CLI's. Will have to try that soon as the card comes. Were the CLI's SP's?

Current Accounts - Mortgage; LFCU Loan $5K; NFCU CLOC $15k; GreenSky Loan $1.2K; Nissan Motor Credit (Business) $25K; IndigoCard $300; Christopher & Banks $1700; AMEX BCE $1K; Lowes $300; NFCU More Rewards AMEX $10,000









Message 10 of 18
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