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Wayfair Card

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Regular Contributor

Wayfair Card

I needed some new lamps for the living room.  Found a couple on Wayfair, got the pop up, came with a $40 off offer.  Took the bait.  Approved, SL is $3500.  

 

A couple days later, I did get an alert, they HP'd my Equifax.   Not a huge deal, I don't get too worked up over HPs.   Just wanted to let people know that the SCT doesn't always mean its gonna be a SP.   And, yes, it was only the last 4 of my SSN in the app.

 

I've got a couple of other of their cards.  I've always seen threads of people getting CLI's right at activation, I've never been one of those folks.  Until today!   Card came in the mail today.  Registered, then hit the love button.  Brought it to $5000, signed out and hit it again, $6500.  An additional $3000 increase on activation, not too shabby.  

 

Equifax is 676, 22 INQ (including this one), overall util ~20%

Ok credit, getting better.....slowly.... Can't seem to stay in the Garden for any extended period of time. I'm trying. Mid to upper 600's across the board.
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Senior Contributor

Re: Wayfair Card

COngrats on approval and nice CLI right away

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
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Valued Contributor

Re: Wayfair Card

Why lamps and not recessed lights?

Congrats m8

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Regular Contributor

Re: Wayfair Card

Congrats! I've had a very similar experience with both Wayfair and Overstock. I believe the new norm is to pull one CB even with the pre-approval pop-up SCT. I also got two CLI's right away on opening the account and hope for more after 31 days! I would caution anyone that it looks like there are more HP's than not with these SCT's now


Start: Low 500’s
Most Recent: 738-745
Over 100K CL Club
Focusing on Delta, Hilton, Amex MR and Chase UR
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Senior Contributor

Re: Wayfair Card

Congratulations, JimBo99! I just bought lamps from Wayfair not long ago. Wayfair rocks! Smiley Happy

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
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Senior Contributor

Re: Wayfair Card

Congratulations on your approval!

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:

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