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Victoria’s Secret approved via SCT but low limit

Creditjunky37
Established Member

Victoria’s Secret approved via SCT but low limit

So after Comenity decided to lower and eventually close my JCrew card due to COs on other accounts (life events, I'm rebuilding now), they approved me via SCT but for only $150! I suppose that's better than my last status with them so I'll take it. 

Hoping it will grow as I rebuild, currently 620 across the board. 

Message 1 of 22
21 REPLIES 21
AllZero
Super Contributor

Re: Victoria’s Secret approved via SCT but low limit

Congratulations on your approval!

Message 2 of 22
cashorcharge
Valued Contributor

Re: Victoria’s Secret approved via SCT but low limit

That's great!  Congratulations on your Approval!!

Message 3 of 22
LaHossBoss
Senior Contributor

Re: Victoria’s Secret approved via SCT but low limit


@Creditjunky37 wrote:

So after Comenity decided to lower and eventually close my JCrew card due to COs on other accounts (life events, I'm rebuilding now), they approved me via SCT but for only $150! I suppose that's better than my last status with them so I'll take it. 

Hoping it will grow as I rebuild, currently 620 across the board. 


Comenity and the SCT can be strange.

 

VS was the first CC I had gotten in over a decade, but started with the SCT for my rebuild. The pop-up said something like preapproved $250 or $500, I would have to check, but then once approved they gave me 1k SL.

 

Then I did the SCT with WS and the pop up gave me $500 preapproved, so I figured why not, and they gave me $250 lol

 

So, Comenity can be hard to figure out when it comes to the SCT.

 

I am sure as you continue your (re)build, they may give you CLIs in the future!

 

Congrats on your approval!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


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SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


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Message 4 of 22
Labor_Omnia_Vincit
Established Member

Re: Victoria’s Secret approved via SCT but low limit

Congratulations on your approval!

Message 5 of 22
gdale6
Moderator

Re: Victoria’s Secret approved via SCT but low limit

Grats on your VS approval and happy new year Smiley Happy

Message 6 of 22
ImTheDevil
Community Leader
Super Contributor

Re: Victoria’s Secret approved via SCT but low limit

Being a Comenity card, use it and pay it off and as long as your profile doesn't falter, it'll grow. I have that card too, approved at $500 on 7/5/2018. Got an auto-bump to $750 after three months, and from there it grew steadily. It hadn't required crazy usage. There are times it gets no use in the two months between CLI requests that I'm currently on schedule for, but usually I'll order workout stuff for my daughter in between each pair of increases and pay it off. The card has grown very reliably and received yet another CLI this morning of $500, for a new limit of $6000.

 

Use it and pay it. Ask every couple months for an increase. Soon you'll discern the pattern of increases they'll give you and you'll be able to grow it regularly.



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 7 of 22
Creditjunky37
Established Member

Re: Victoria’s Secret approved via SCT but low limit

@LaHossBoss 

thanks for the info. 
WS is another store I shop at a couple times a year. Perhaps if SCT works there, I may take it. My bureaus are all on ice, so no HPs for me. But I will take care of VS and start to request a CLIin a couple of months. 

Message 8 of 22
coreyb80
Valued Contributor

Re: Victoria’s Secret approved via SCT but low limit

Congrats on the approval!  I've been stuck on $250 for almost 3 years now with VS.  I've purchased some things for my lady to show some activity. 

Message 9 of 22
firefox100
Established Contributor

Re: Victoria’s Secret approved via SCT but low limit

congratulations and happy new year.

Message 10 of 22
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