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05-15-2013 12:05 PM
I did the shopping cart trick...and it worked. I realize they would have still approved and sent me the card if I didn't buy anything. I figure as soon as I get the card, I will pay the $20 balance I accumulated with the transaction.
But my question is, if I didn't buy something (thus no payment transactions recorded at a later time), would it still pop up on my credit reports?
I had a Macy's card for several years (5+), but quite frankly never used it (thus, in good standing!)....and it never popped on any of my 3 credit reports.
How long will it take for VS to report this on my credit reports? Will this one inquiry nose dive my currently improving score?
Thanks in advance for your guidance!
05-15-2013 12:12 PM
05-15-2013 02:31 PM
I have 3 cards backed by Comenity that I've never used, and all 3 are reporting on all 3 CBs. They showed up on the reports about 3 weeks after I was approved.
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