@CreditCuriousity wrote:Well it is a well known fact I can't garden and really have no intention to ever try. I applied for the Virgin America last night and got approved for the Visa Signature Version being the black card ($49) AF version of the card. Instant Approval.. Had the SCT, but just did the regular application. I was expecting a higher approval amount, but it will work. Did this for a few reasons. I am dumping my JCREW this month and wanted something to fill the void for utilization, etc.. I won't have any store cards anymore unless you include CareCredit, but I find CareCredit to be an awesome card due to 0% stuff.
So far it appears to be a SP, as I see I was hit on Experian yesterday with a SP from them.. Maybe EQ is lagging behind, will find out and update. Expecting a HP and hoping for a SP.
So with that said. I got the Mid Tier being Tier 2 Visa Signature version at $5500.
UPDATE: Did get hit with an EQ HP! Just so I don't misguide people!
Congrats. CC you just got that jcrew to 10k now you are dumping them? Wow. you can have both. but i feel you. i will keep my jcrew even i will just use once a year. 10k is hard to give up. Just like my wally. another 10k. other store cards im not too concerned about. i only have 5 anyway. let me see. hmm. overstock. kingsize and jcrew, wally and hmm one more out there. macys' that is it. macys now at 12k. i can't give that much up. but as i said. i feel you for getting rid of them.
@taxi818 wrote:
@CreditCuriousity wrote:
@Anonymous wrote:CC, how many of the other accounts in the last 12 months were Comenity, prior to this one? Thanks
Just the Total Rewards... The JCREW was about 13 months ago? I also got the sportman guide mailer/pre-approval in the mail yesterday.. I just can't see taking a HP for that card for myself as I just don't shop at that store and can't personally for myself see any value that card adds unless I want to get to X credit line, but I don't want to do that as I have other plans for my credit and want to leave alot of available credit open for future applications without being being under the microscope to much. I am at around 120k total credit still under my yearly gross salary. Although when I cancel the JCREW card it will be closer to 110kish in my personal avaialble credit. Still have plans to apply for the Ritz this year if the 140k offer comes back around.
CC. This is exception. The sportsman is the only Visa left that is soft pull via the sct. the rest are hp. but not this one. there is no doubt either.
It does seem to vary for Sportsman's Guide Visa - mine was HP through SCT, and CAPTOOL and a few others have reported that SCT for their Sportsman's Guide Visa was HP also. It has gone both ways, HP and SP. Best to be prepared either way, but certainly a really nice surprise if you don't get the HP. Not sure about others.
The only thing we can definitively determine abut Comenity is that there seems to be no real rhyme or reason for things 
Re: Sportsman's Guide Via SCT
Great starting limit, way more than they gave me - and mine was a hard pull!
Gardening since yesterday.
@CreditCuriousity wrote:
I just don't like bumping up with too much available credit as I truly believe it will hinder future approvals whether instant or manual review by UW's..
+1. Some really excellent advice here, CC.
Congrats.........
Congrats CC!!
