Credit Card Center Advertiser Disclosure

Reply
Frequent Contributor
Posts: 286
Registered: ‎10-29-2016

Re: Shopping Cart Trick...help?

just sign up and wait....took me a few months to see the pop up.

Established Contributor
Posts: 941
Registered: ‎03-18-2009
0 Kudos

Re: Shopping Cart Trick...help?

will do, thanks m8

New Contributor
Posts: 52
Registered: ‎07-03-2017
0 Kudos

Re: Shopping Cart Trick...help?

Can't get it to come up without wanting the full social, so they're doing a HP I suppose.

Frequent Contributor
Posts: 286
Registered: ‎10-29-2016
0 Kudos

Re: Shopping Cart Trick...help?

fuel rewards and total rewards always hard pull you.

Established Contributor
Posts: 1,006
Registered: ‎01-16-2017

Re: Shopping Cart Trick...help?

I saw this old thread and went to overstock and the Pre-Approval popped up.  Never shop there so closed it down.  But it is good to know that might credit has improved so that I can get just about everything now.  Williams and Sonoma popped up as well.  I don't know why everyone is so against store cards.  I would say they have a lot more benefit than a Captial One Platinum which is about the only thing people early in a rebuild can quailfy for if they are not NFCU eligible. 

January 15 2017 Experian 527 Transunion 528 Equifax 529
August 1 2017 Experian 702, Transunion 711, Equifax 715

BOA Cash Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, Chase Southwest Premier, Chase Southwest Plus, Barclay Arrival +, Barclay AAdvantage Red Aviator, USAA Prefered Cash Rewards , Cap One Quicksilver, Lendup L card, JCrew, Pottery Barn, Express, NFCU Go Rewards.. 130k total credit lines.
New Member
Posts: 2
Registered: ‎01-10-2008
0 Kudos

Re: Shopping Cart Trick...help?

Has any one get a pop up from the Boston Store. I cant get the pop up.

Valued Contributor
Posts: 1,579
Registered: ‎07-13-2016
0 Kudos

Re: Shopping Cart Trick...help?

If you really want it, just app for it. 

BK 5-2012 Revolving Rebuild Started 6-2016
AMEX ED & SPG | BOA CR | PenFed PR & CR | NFCU FS | Discover IT | Cap1 QS & VENTURE | LOWES | Barclays AVIATOR
New Member
Posts: 2
Registered: ‎01-10-2008
0 Kudos

Re: Shopping Cart Trick...help?

Are these the credit cards you have?

Valued Contributor
Posts: 1,579
Registered: ‎07-13-2016
0 Kudos

Re: Shopping Cart Trick...help?

If you're asking me, yes they are. 

BK 5-2012 Revolving Rebuild Started 6-2016
AMEX ED & SPG | BOA CR | PenFed PR & CR | NFCU FS | Discover IT | Cap1 QS & VENTURE | LOWES | Barclays AVIATOR
Highlighted
Regular Contributor
Posts: 211
Registered: ‎05-16-2015

Re: Shopping Cart Trick...help?

Sometimes just for fun I will log into different sites I know has the SCT add stuff to my cart and see if I get a pop up. I have only accepted 2 which was Overstock and VS as I shop there often.

 

What I have found though is if you x out of them and they really want you they will mail you a pre approved offer. I have gotten pre approved offers from Williams Sonoma for their visa card after the pre approval popped up on the website and I xed out. I have gotten Lenovo letters, Wayfair and a few others. So if you truly are pre approved and you x out of the page they will send you a letter to accept your offer and like I said a few of them have been for the Visa version of the store cards.

 

Make sure when the pop up pops it says Pre Approved not Apply that will make the difference in a hard or soft pull. Make sure you really want that card and will use it before accepting it. The downfall I have seen time and time again on here is people get caught up in the approval high of all the pre approvals and just start accepting knowing they will never ever use the card. They justify by saying they are using for util padding or to build their credit back up so on and so forth. What I see happen time and time again is commenity shutting cards down right and left after people have taken the hit for their account age because they applied for too many cards at a time. Now you are stuck with a lower AAoA and no card at all. I also see people denied for better cards with better limits because they went on a spree with the SCT and now those big creditors are denying people because of too many new accounts or they get very low starting limits if they are approved at all because they have a bunch of toy limits from the SCT.

 

Like I said earlier I will admit for fun just to see what I can get to pop up I go on those sites and play around for sh*ts and giggles but I never ever accept them I just like seeing the pre approvals pop up. I also do this on pre qualify sites for the big guys too. Not because I want more credit but because there was a time I couldn't get approved for a free paper bag and now I can run a pre qualify for just about anywhere and something will pop up for me and that is good enough to make me happy. Silly I know. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.