If you want CareCredit, I would wait before bothering with VS, since that seems like more of a want vs a need with Care SCT generally is not a HP. Maybe it grows for some, but it certainly has not at all for me. It is still at $1k since approval and every CLI request has been denied. Mine has not grown an iota in the 18 months I have had it. It sounds like a HP if it does not say something like "congrats, you are pre-approved for a $500 credit limit!", or whatever. HPs are really overrated, it is new accounts that are the problem, and people seem to have them confused as which is worse. But HPs are not the issue, truly, when apping for credit, a new account will still show up well before you app for CareCredit. Is this actually a guaranteed card or is it just clever marketing and a hard pull is sure to follow? My problem is I don't want any hard pulls right now and I plan to apply for a Care Credit card in the next 2-3 months and I don't want this to kill my shot. But once my info updated, they hit me with this "Congratulations You've Been PreApproved for the Victori's Secret Credit Card". I don't have either of the cards you mentioned but the care credit one seems a lot more was updating my VS profile address. I'm mad that they threw this Sophie's Choice on me tonight, the first night of Semi Annual Sale!īased on the way that is written for the VS I would bet it would be a hard pull especially if it is saying subject to approval. I'm concerned I'm being penywise and pound foolish. I'd like a Comenity that will blossom but I need the CareCredit for lipo later this Summer. I agree with your points and that is why I am torn. I'm mad that they threw this Sophie's Choice on me tonight, the first night of Semi Annual was updating my VS profile address. Your credit limit may be higher or lower than disclosed in this offer. We will set your credit limit based on all information available to us at the time of final approval. For Important Rate, Fee and other Cost information. The Victoria’s Secret Credit card is issue by Comenity Bank. take their worth for what you paid for them. which is absolutely was updating my VS profile address. Synchrony may be more cautious with the growth depending on your profile. but I rarely buy lingerie! I will always have medical and vet expenses!įlipside, VS, backed by Comenity, might grow insanely fast if they are anything like overstock and the other shopping card trick cards. In my humble opinion, Care Credit is a much more useful card. I would wait until you are approved for Care Credit and then, if you still have the itch for VS, then go for it. That being said, Synchrony can be easily spooked and if you REALLY have your sites set on Care Credit and want to maximize your starting CL on that, I would not take the VS offer. Did they tell you what your credit limit would be? If so, I suspect it is a solid offer and would be a soft pull. However, I will say I've never had a Comenity "SCT" card like that result in a hard pull (and I keep my credit files on ice just to make sure!)Ĭomenity is the backer of Victoria's Secret. Is this actually a guaranteed card or is it just clever marketing and a hard pull is sure to follow?ĭata points differ on hard pull vs soft pull.
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