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Total Rewards Visa Approval - SCT resulted in HP

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Valued Member

Total Rewards Visa Approval - SCT resulted in HP

I logged into Total Rewards the other day and finally got the beutiful popup message "Congratulations - You Are Pre-Approved".  It simply asked for income and last 4 of SSN, which others have noted is the equivalent of the soft pull Shopping Cart Trick.  It also had my name and phone number pre-populated.  My phone number has changed, so I updated that.  I believe this update caused it to go from an instant approval to 7-10 day message.

 

Two days later I got the notification of inq on EQ.  Fast forward a week, and I got a notification of a new tradeline for $2,500.  Card just came in the mail today, confirmed $2,500.

 

I was hoping for just the SP, but I am happy to finally have the card.  I was previously rejected about two years ago for too many inquiries.  I was also hoping fo a higher SL, but I guess I will just have to build it up.

 

I activated the card and imediately went to the CLI request page.  I previously read reports there is a check box which you can uncheck so it remains only a SP CLI request.  Unfortunately I do not see the checkbox, only text saying they reserve the right to pull it.  Any clarification in this department would be greatly appreciated.





7 REPLIES 7
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Valued Contributor

Re: Total Rewards Visa Approval - SCT resulted in HP

mine was back in 2016 and it was indeed a hard pull @Equifax congrats and enjoy Smiley Tongue

Profile Worth 1.6M+
___________R.a.j
"Be Stronger Than Your Strongest Excuse"
Message 2 of 8
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Valued Contributor

Re: Total Rewards Visa Approval - SCT resulted in HP

Indeed Total Rewards is one of the few SCT card that HPs at application. Mine was a HP back in May of 2015. No check box on the CLI pages mean SPs.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 3 of 8
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Established Contributor

Re: Total Rewards Visa Approval - SCT resulted in HP

This is one of two Comenity cards I have.  Love this and Sportsman's Guide Visa.

 

After about 9 months start your 4 months plus one day CLI schedule.  You'll have a great limit in no time.

 

These have the best occasional BT offers also.  No transfer fees and 18 months 0% financing.

Message 4 of 8
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Valued Contributor

Re: Total Rewards Visa Approval - SCT resulted in HP

Problem with those  vs/mc comenity  cards they grow slow like slow.lol compared to comenity store cards  .

(Mod cut)

Message 5 of 8
Member

Re: Total Rewards Visa Approval - SCT resulted in HP

congrats on the approval. 

US Cards:
Amex Platinum (NPSL, $35,000 Pay Over Time) | Amex Blue Cash Everyday ($15,000) | Amex Cash Magnet ($10,000) | Discover It Cash Back ($2,000)

Canadian Cards:
TD Aeroplan Visa Infinite Privilege ($15,500) | TD US Dollar Visa ($9,600) | Amex Air Miles Platinum ($20,000) | Amex Gold Rewards (NPSL) | MBNA Mastercard ($20,000) | Capital One Costco Mastercard ($10,000)
Message 6 of 8
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Senior Contributor

Re: Total Rewards Visa Approval - SCT resulted in HP

Congrats on your approval. Good to know all of these Total Rewards cards are not SP

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 7 of 8
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Senior Contributor

Re: Total Rewards Visa Approval - SCT resulted in HP

Congrats on Approval
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 8
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