I am making this post to explain the shopping cart trick.
The shopping cart trick is from what i gathered mostly comenity bank cards. (not all of them)
Go to there store, add items into your cart, go check out and put in your info (as it appears on your credit report)
If that store approves you, you will recieve a pop up (or maybe a new screen) which says you are pre approved. It will have your brief info and ask you to type in your last 4 digits of your social. Some stores will say how much you are approved on the pop up (some dont)
PLEASE READ THIS=
-PRE APPROVAL- (which is what i am talking about) is when it says you have been PRE APPROVED (again might say amount) and asks you to ONLY TYPE IN LAST 4 DIGITS OF SOCIAL- this is what you want if you do not want it to show up on your credit report
-PRE QUALIFY- this is when you have to bascially fill out a app. (type in more then the last 4 digits of social) THIS WILL SHOW UP ON YOUR CREDIT REPORT AS IT IS A HARD PULL
i see many people who think they are the same.. THEY ARE NOT!
not everyone will get the pre approval. If you dont, you can try in a week or maybe you need to opt in (google opt in/opt out) it is a site where you can choose whether you want to recieve offers of credit ect.
If you have tried this trick..PLEASE let us know if it has worked. I would like to get a complete list of stores to make it easier for those who wish to try, to find.
This is not true for everyone, some people (myself included) were pre-approved for Total Rewards and Fuel Network Mastercard, and still got a HP. Not sure how they decide if you get a HP or not.
VS $250/Dec 2013
Express $250/Dec 2013 (Did not receive pre-approval pop up but did not receive a hp after applying, maybe a pre-approval was blowing in the wind?)
Buckle $250/Dec 2013
LinenSource $250/Jan 2014 (and closed it this month, wish I kept it but was getting denied for credit for having too many accounts)
LOFT $250/Dec or Jan 2014
J.Crew Dec 2013 Starting limit $250, hit love button last month $200 cli, made a $25 purchase within the 30 day cli, hit love button and another $200 cli, now sits at $650
OneStopPlus Dec 2013/$500
I hard apped and was approved for:
The Limited Dec 2013 $250
Beall's Dec 2013 $300 (no free returns/exchanges online, wish I had known that before applying)
True Value Dec 2013/$350 with $200cli last month no purchase ever made but I went to thie website yesterday and they have tons of items (hair utensils, cookware, houseware, etc etc)
Bon Ton $300 Dec 2013/closed last month
I've read that the cli's do not report the new limits with the comenity cards until a purchase is made after the increase
Had scores in the extremely high 500's when pre-approval pop ups appeared for these cards. Scores are all mid to high 600's now (old student loans on all credit reports for 120 day late/derogatory, all marked as closed and paid
I was preapproved for
total rewards $1000
fuel rewards network $3000
sportsman guide $2000
my points $250
Sportsman's Guide was a HP? Mine was SP.
I got the Victoria Secret popup $750 Limit
Also just now The Sportsman Guide , I didn't accept any of them. I have the Sportsman Guide up and I am very tempted to hit accept, but don't need any new credit right now. I am curious to see what kind of CL they give me though... They are a SP or a HP?
All soft pulls. I was offered other store cards but chose these three because these are the only places I actually shop.
i got 3 cards this weekend using the shopping cart trick. For all I always checked out as a guest and had between $150 and $200 in my cart.
J. Crew unsure of the limit
Express unsure of the limit
Brylane Home $700
Im supposed to be in the garden so I'm hoping they are SP. I didn't get an alert from SW and I only had to enter the last 4 of my SSN.
Total Rewards Visa (Non Signature) $2.5 CL
Pop up on 3/10. Recieved card on 3/14. So far no HP
Only asked for last 4 of social.