Victorias Secret Approved!

SLR72689 · ‎03-02-2013

I've been reading and came across the Victoria Secret Cart Trick Pre-Approval with a soft pull... I haven't had a new credit card since 2010. I read some people get instant approval and some do not so I was hesitant with my low credit scores... instantly approved with a CL of $350!

I am excited to get another positive TL on my reports! I am very frugal (hah, you wouldn't guess that with how much credit card debt I have/had) and won't buy most of the stuff in Victorias Secret due to prices so I know I won't be getting myself into trouble with this one!

Here's to positive TLs!

Epcot · ‎03-02-2013

That's great, Congrats! I also got the VS card last year with the shopping cart trick.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

SLR72689 · ‎03-02-2013

@Epcot wrote:
That's great, Congrats! I also got the VS card last year with the shopping cart trick.

My heart was racing as I clicked submit! I didn't think something like that could really work. Woohoo!

erlafontaine · ‎03-02-2013

What's the "cart trick"?

Starting Score: Decem 2012 - 568 (EX) ?? (TU FICO) 464 (EQ FICO) 540 (TU) 511 (CREDIT KARMA) 549 (QUIZZLE) 608 (CREDIT SESAME)
Current Score: December 2013 - 633 (EX) 585 (TU FICO) 583 (EQ FICO) 611 (TU) 591 (CREDIT KARMA) 623 (QUIZZLE) 660 (CREDIT SESAME) 660 (CREDIT.COM)
Goal Score: 700 across the board - Hoping to buy a home by March 2014..All baddies removed except for one stubborn First Premier who refuses to take it off even though it's PIF! GRRR

In my wallet: Home Depot $500 | Buckle $250 | Express $500 | Loft $500 | VS $350

Take the myFICO Fitness Challenge

SSH0126 · ‎03-02-2013

Yeah I would like to know too

SLR72689 · ‎03-02-2013

@erlafontaine wrote:
What's the "cart trick"?

What I did was go to www.VictoriasSecret.com and created an account. First, last name and address was all they ask. Then I picked a random item and proceeded to check out. Upon my check out, a pop-up came up saying I was pre-approved for their store card. Upon my readings and research, I've read that if it's a soft pull (someone PLEASE correct me if I'm wrong) they will only ask for the last 4 of your SSN while applying. I applied, they asked me for my birthdate and the last 4 of my SSN and I was instantly approved. No need to actually purchase whatever is in your cart.

Somewhere in the threads, theres a whole list of stores that you can use this shopping cart trick for.

Shogun · ‎03-02-2013

Awesome!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

DaBears · ‎03-02-2013

Pop up didn't work for me. My wife just beat me with a hot tortila and rubbed hot sauce in my eyes!!!!! Said I was a failure.

Credit Scoring 101
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Shogun · ‎03-02-2013

Are you opted out? Or have a freeze on your reports? This will prevent those from popping up.

@DaBears wrote:
Pop up didn't work for me. My wife just beat me with a hot tortila and rubbed hot sauce in my eyes!!!!! Said I was a failure.

And you liked it!!! LMAO!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

rckstrscott · ‎03-02-2013

@SLR72689 wrote:
I've been reading and came across the Victoria Secret Cart Trick Pre-Approval with a soft pull... I haven't had a new credit card since 2010. I read some people get instant approval and some do not so I was hesitant with my low credit scores... instantly approved with a CL of $350!

I am excited to get another positive TL on my reports! I am very frugal (hah, you wouldn't guess that with how much credit card debt I have/had) and won't buy most of the stuff in Victorias Secret due to prices so I know I won't be getting myself into trouble with this one!

Here's to positive TLs!

It;s good at bath and body works too!

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790