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Member
saver513
Posts: 10
Registered: ‎03-09-2010

Store Cards - APPROVED!

I always read the posts for advice on here and I decided to apply for a store card since I didn't have one (have Cap1, Household Bank, Credit Union CC). Applied for Newport News - got approved for $250. So I tried Victoria's Secret - got approved for $250, then did J Crew and The Limited. All approved. I think I'll stop now. Credit scores are all low 600s. The cards came fast too, within 3 days.

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Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: Store Cards - APPROVED!

Hard pull on your credit report ?

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Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012

Re: Store Cards - APPROVED!


Brian_Trying_700 wrote:

Hard pull on your credit report ?


Whenever you apply for any type of credit, it is a hard inquiry. 

Regular Contributor
bostonte
Posts: 246
Registered: ‎10-04-2009

Re: Store Cards - APPROVED!


logan_720 wrote:

Brian_Trying_700 wrote:

Hard pull on your credit report ?


Whenever you apply for any type of credit, it is a hard inquiry. 


Except all the cards the OP mentioned are well known to be available through the "no hard inquiry offer while checking out online" method from that particular lender.
Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: Store Cards - APPROVED!

[ Edited ]

bostonte wrote:

logan_720 wrote:

Brian_Trying_700 wrote:

Hard pull on your credit report ?


Whenever you apply for any type of credit, it is a hard inquiry. 


Except all the cards the OP mentioned are well known to be available through the "no hard inquiry offer while checking out online" method from that particular lender.

Which cards are they? Or apping on what site.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Valued Contributor
Repo-ed
Posts: 2,949
Registered: ‎02-09-2012

Re: Store Cards - APPROVED!


bostonte wrote:

logan_720 wrote:

Brian_Trying_700 wrote:

Hard pull on your credit report ?


Whenever you apply for any type of credit, it is a hard inquiry. 


Except all the cards the OP mentioned are well known to be available through the "no hard inquiry offer while checking out online" method from that particular lender.


Never heard of that. Please explain?

Member
saver513
Posts: 10
Registered: ‎03-09-2010

Re: Store Cards - APPROVED!

I went to the actual websites (newportnews.com; victoriassecret.com; thelimited.com; jcrew.com) and clicked on their credit card app buttons.

They were hardpulls through Equifax, although only the newport news & victoriassecret showed up as inquiries so far per my equifax score watch subscription. 

All of these stores are WFNNB financed. I hope to get CLIs in the future. I will keep you updated :smileyhappy:

Mega Contributor
Creditaddict
Posts: 16,852
Registered: ‎10-23-2007

Re: Store Cards - APPROVED!


Repo-ed wrote:

bostonte wrote:

logan_720 wrote:

Brian_Trying_700 wrote:

Hard pull on your credit report ?


Whenever you apply for any type of credit, it is a hard inquiry. 


Except all the cards the OP mentioned are well known to be available through the "no hard inquiry offer while checking out online" method from that particular lender.


Never heard of that. Please explain?


WFNB that issues all these cards and express is known to go in and create an account for shopping, then go back into the account edit in all info you can, shipping, billy address, etc. etc.  Go put an item in your shopping card, then go to check out and it should happen pretty quick but a screen with just pop up over top the page you are on and say congrats you are pre approved, click yes to accept and continue check out or no.

it is 99% of the time instant and it's 100% always no HP.

and if approved you can still cancel out of checking out and not buy anything, you will still get the card.

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Established Contributor
2NE1
Posts: 914
Registered: ‎12-06-2011

Re: Store Cards - APPROVED!


Creditaddict wrote:

 

WFNB that issues all these cards and express is known to go in and create an account for shopping, then go back into the account edit in all info you can, shipping, billy address, etc. etc.  Go put an item in your shopping card, then go to check out and it should happen pretty quick but a screen with just pop up over top the page you are on and say congrats you are pre approved, click yes to accept and continue check out or no.

it is 99% of the time instant and it's 100% always no HP.

and if approved you can still cancel out of checking out and not buy anything, you will still get the card.


Do you know if you apply at the Store in person, would these be HPs as well? I tried to follow the VS advice online but when I went to the check out I didn't see any window pop-up with a 'pre-approval' link :smileysad:... do you think it was because of the browser?


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620 for starters! :smileyvery-happy:
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Frequent Contributor
JenniferinFL
Posts: 305
Registered: ‎03-16-2012

Re: Store Cards - APPROVED!

Not the original poster BUT,

 

I applied for Victoria Secret, New York and Company, Maurices, Ann Taylor Loft and Lane Bryant.

 

Maurices and New York and company I appled for online, no hard pull at all.

 

Ann taylor loft I applied online but had a hard pull.

 

Victoria Secret and Lane Bryant I applied in store and had hard pulls.

 

I never got the "sign up for a credit card offer" thing when using the online shopping cart, but, about 10 years ago I'd had accounts with Maurices and  NY and CO which closed for inactivity in good standing. I think that's the other way you can get around a hard pull is by applying for one you've already had.

 

The ones I applied for in store both had higher starting limits.

 

I'm tempted to try another couple WFNNB since my credit reports are frozen anyways using the shopping cart method.


Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) USAA Fako 598 Vantage 639 (03-15-2012) Transrisk 616 (03-15-2012) Ch.7 discharged 5/2009
Current Score: 663 EQ (06-10-12) 655 TU (04-28-2012 myfico) Vantage 730 (05-15-2012) Transrisk 674 (05-15-2012)
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