cancel
Showing results for 
Search instead for 
Did you mean: 

Shopping Cart Trick (SCT) - Pop Ups but then a message that my application needs review

tag
westcoastpeach1965
New Contributor

Shopping Cart Trick (SCT) - Pop Ups but then a message that my application needs review

I have received the SCT several times over the course of rebuilding my credit from a Chapter 7 in 2018.  The last two times, Frontgate and Ballard's, I said "yes" and filled out the information, including only the last 4 digits of my SSN, and then it said my request was under review.  I wouldn't have even tried if I'd known I wasn't accepted.  What's the point of the pop up if they are not going to give you the card.  They say you are pre-approved based on your credit.  I would think that getting a pop up means they have already checked your credit.  I'm a bit confused as to why it works sometimes and why it has to be reviewed at other times.  Any thoughts?

Starting Score: 660
Current Score: 660
Goal Score: 750


Take the myFICO Fitness Challenge

Message 1 of 4
3 REPLIES 3
FireMedic1
Community Leader
Mega Contributor

Re: Shopping Cart Trick (SCT) - Pop Ups but then a message that my application needs review

Its marketing. I had 2 rather large SCT threads a few years back to see who HP's or SP's for approval. Its a YMMV thing. Just how the system goes. Even with the larger banks its the same thing. All comes down to if your file matches their protocol for approval. SCT or not. Hope you get approved.


Message 2 of 4
westcoastpeach1965
New Contributor

Re: Shopping Cart Trick (SCT) - Pop Ups but then a message that my application needs review

Makes sense of course. Thank you!

Starting Score: 660
Current Score: 660
Goal Score: 750


Take the myFICO Fitness Challenge

Message 3 of 4
FireMedic1
Community Leader
Mega Contributor

Re: Shopping Cart Trick (SCT) - Pop Ups but then a message that my application needs review


@westcoastpeach1965 wrote:

Makes sense of course. Thank you!


Yepper.


Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.