SCT doesn't work for new in the credit game:(

[orestrus]

I tried numerous sites, no luck. The only one seems to be working is Fingerhut with measily $180 limit. I have a perfect payment history.. I guess I have to wait before FICO score is in place to try again?

[Anonymous]

What are your current tradelines? Why in such a hurry to add credit, useful or useless?

[orestrus]

2 caps 1's, us bank, BofA, Walmart. I just want to get overstock as it has some great deals

[Anonymous]

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@orestrus wrote:

2 caps 1's, us bank, BofA, Walmart. I just want to get overstock as it has some great deals

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If it won't show up, Just apply directly.

[Callandra]

How long have you had those cards/how much history? VS seems to be the easiest to get. But seriously, unless there's a store you shop at a lot and will benefit from the card benefits (ie- lots of coupons), avoid the SCT. I regret my one and only. *sigh*

[Anonymous]

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@Callandra wrote:

How long have you had those cards/how much history? VS seems to be the easiest to get. But seriously, unless there's a store you shop at a lot and will benefit from the card benefits (ie- lots of coupons), avoid the SCT. I regret my one and only. *sigh*

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OP apparently is only interested in Overstock, and I applaud that.

[newhis]

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@Callandra wrote:

How long have you had those cards/how much history? VS seems to be the easiest to get. But seriously, unless there's a store you shop at a lot and will benefit from the card benefits (ie- lots of coupons), avoid the SCT. I regret my one and only. *sigh*

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OP has no FICO score yet, so the history is less than 6 months.

I also regret my one and only SCT card. At least I know the feeling, from the pop-up, to the app, the congratulations and even a good limit then.

[Anonymous]

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@orestrus wrote:

2 caps 1's, us bank, BofA, Walmart. I just want to get overstock as it has some great deals

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You have 5 tradelines, I'm guessing you already have some FICO scoring in place already.

Are you opted into pre-screened offers?

[Erusidhion]

    A lot of dislike for store cards which is understandable because of their limited use and you only use them once in awhile. But I figured they were always beneficial to have because they helped lower your utilization and with them having a higher starting limit/easy CLIs; perhaps it would force other Store Cards/Bank Cards to increase their limit to match. I have one store card and it isn't one I regret. It's a CFNA card that is only useable at my local Ford dealership with a $2200 limit. I mainly use it for oil changes and any major repair work that I don't trust a non-dealership mechanic to do right.

    At some point later on I'd probably get store cards down the road and sock drawer them until I use them 3-5 times a year. If they close it due to non-use, whatever. But it still thickens your file in the long run. All these people on myFICO that recently gained tons of store cards at once + starter/rebuilder/higher tier cards are going to have such a thick file after two years. You won't even have to worry about inquiries when you apply anymore. Thick file, good score, utilization at 1-30% and you're probably approved for whatever you want by then.

[Anonymous]

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@Erusidhion wrote:

    A lot of dislike for store cards which is understandable because of their limited use and you only use them once in awhile. But I figured they were always beneficial to have because they helped lower your utilization and with them having a higher starting limit/easy CLIs; perhaps it would force other Store Cards/Bank Cards to increase their limit to match. I have one store card and it isn't one I regret. It's a CFNA card that is only useable at my local Ford dealership with a $2200 limit. I mainly use it for oil changes and any major repair work that I don't trust a non-dealership mechanic to do right.

    At some point later on I'd probably get store cards down the road and sock drawer them until I use them 3-5 times a year. If they close it due to non-use, whatever. But it still thickens your file in the long run. All these people on myFICO that recently gained tons of store cards at once + starter/rebuilder/higher tier cards are going to have such a thick file after two years. You won't even have to worry about inquiries when you apply anymore. Thick file, good score, utilization at 1-30% and you're probably approved for whatever you want by then.

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Eh... not really.  Store cards are looked at it a completley different light than bank cards.  All these people applying for a mass amount of store cards are going to have to explain to UWs why they have so many useless cards.  Even several years down the line, having many store cards isn't a good thing.