Reply
Established Contributor
Posts: 1,043
Registered: ‎02-03-2009
0

Re: Shopping cart trick work for you?? Please add to list!


stefnian0426 wrote:

Hi all,

 

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.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Frequent Contributor
Posts: 286
Registered: ‎12-14-2013
0

Re: Shopping cart trick work for you?? Please add to list!

:smileyhappy:

 

 

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

EQ FICO 694 TU FAKO 712 EXP FICO 671 (Started rebuilding in Nov 2013, scores were low 500's, student loan charge-off's dating from 2011, all marked as paid on CRB's) 2% Utl
Chase United Mileage Plus $5,000/Citi AAdvantage $4,000/USAirways MC $5,000
NFCU cashRewards $10,000/Navcheck $10,000/Cap1 Quicksilver1 $2,500/Cap1 Quicksilver1 $2,000/Gap $650/Barclay Rewards MC $1,000/Walmart $950/CareCredit joint $8,400 LOFT/Express/VS all $250/J.Crew $1050/True Value $950 /Nordstrom $500/Amazon$1400/Amex Hilton HHonors $1,000/Chase Amazon $500/Chase Freedom $2,000/Paypal MC $4,000

New Member
Posts: 2
Registered: ‎03-02-2014
0

Re: Shopping cart trick work for you?? Please add to list!

I was preapproved for

 

total rewards $1000

fuel rewards network $3000

sportsman guide $2000

vitacost $7500

my points $250

 

New Member
Posts: 2
Registered: ‎03-02-2014
0

Re: Shopping cart trick work for you?? Please add to list!

all hp

Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012
0

Re: Shopping cart trick work for you?? Please add to list!


SeanS wrote:

all hp


Sportsman's Guide was a HP?  Mine was SP.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Super Contributor
Posts: 5,497
Registered: ‎05-23-2009
0

Re: Shopping cart trick work for you?? Please add to list!

Fuel rewards MC $12k
Total rewards Visa Signature $9.9k
Vitacost MC $12k
Cold Watercreek MC $8k
Solution VIP $750
Blair $750
They were all SP.


Ron.
Frequent Contributor
Posts: 270
Registered: ‎02-06-2014
0

Re: Shopping cart trick work for you?? Please add to list!

I got the Victoria Secret popup   $750 Limit

                FRN  

                HSN

                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?

Valued Member
Posts: 42
Registered: ‎02-10-2008
0

Re: Shopping cart trick work for you?? Please add to list!

Loft $500

VS $350

JCrew $250

 

All soft pulls. I was offered other store cards but chose these three because these are the only places I actually shop.

Nov. 2013 FICO scores: EQ 565 | EX 536 | TU 539
October 2014 FICO Scores: EQ 635 EX 639 | TU 667
Goal: 700s across the board and a Chase SW Visa!
Gardening indefinitely
Frequent Contributor
Posts: 340
Registered: ‎08-11-2011
0

Re: Shopping cart trick work for you?? Please add to list!

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. 


In the Garden until further notice Last HP 2/20/15

Starting Score: 530 (9/2013)
Current Score: 700 EQ (myfico) 699 TU (Barclay) 673 EXP (myfico)
Goal Score: 720+ all 3


Take the myFICO Fitness Challengefont>
Frequent Contributor
Posts: 498
Registered: ‎08-05-2009
0

Re: Shopping cart trick work for you?? Please add to list!

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. 

Mine- Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / DW's- I'm AU on most- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / Citi Simplicity MC $4.4K / GE Lowes $10K / GE CareCredit $5K
myFico Scores as of 10/03/2014
Equifax 798 / Experian 811 / TransUnion 814

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.