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Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
0

Credit Card Via Soft Pull?!

[ Edited ]

Is there any harm in getting these store cards via a soft pull and never using them?

I got randomly Buckle (Too expensive for my taste) and Roaman's(Actually never heard of them), through the checkout trick. (I've been trying forever for Victoria Secret, but I guess they have different underwriting criteria)

I just got them for the hell of it...any harm, besides it will probably hurt my AAOA? Will probably cut them up(literally) the minute they get here...

 

List of places that issue a store card via a soft pull at checkout: (WFNNB)

Abercrombie & Fitch
American
American Home
American Signature
Furniture
Ann Taylor
Arhaus Furniture
Ashley Stewart
Avenue
Bealls
Bealls Outlet
Blair
Brylane Home
Buckle
Burke's
Outlet
Carter Lumber
Chadwick's
Crate & Barrel
Crescent
Jewelers
CruiseOne Leisure Miles Mastercard
Design Within
Domestications
Dressbarn
Dunlaps
Dutyfree.com
Eddie Bauer
Express
Fastline
Fina
Fortunoff
Friedman's Jewelers
Gander Mountain
Garden Ridge
Gardner-White
Giant Eagle Fuelperks
Goody's
Gordmans
Harlem Furniture
International Male
J. Crew
Jessica London
Kanes/Savon Furniture
KingSize
La Redoute
Levin Furniture
Limited Too
Little Switzerland
Marianne
Maurices
MedChoice Financial
Metrostyle
MyWorld Mastercard
New York & Company
Newport News
OneStopPlus
OSH/ Orchard
Supply Hardware
Pacific Sunwear
Palais Royal
Pamida
Peebles
Pottery Barn/Pottery Barn Kids
Reeds Jewelers
Restoration Hardware
Roaman's
Samuels
Shop At Home Network
Silhouettes
Spiegel
Stage
The Company Store/Company Kids
The Sportsman's Guide
Trek
Undergear
Value City Furniture
Victoria's Secret
West Elm
Woman Within
Woodcraft

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

Do you have all these cards? I say, if you don't need it, why get it? It will eventually affect your AAoA.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

I don't have all those cards, it's just a reference list of stores that give people store cards with a soft pull via the check out trick....

 

And just getting them will help utilization...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

That's like apping for fun. 

If you open too many accounts some creditors might see you as risky but that's about it. and the obvious aoaa drop. inq's. im not sure about the inqs though. i think its like a pre approval that they pull your credit once you accept. 

 

for example at the bank where i work if your pre approved on the line its like half and half. 

if your pre approved when doing account maintenance your pre approved and no credit pulled. and my bank specifically pulls eq =/ 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

I understand, but it's a well known fact that WFFNB doesn't hard pull when the check out trick happens...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!


XxRaVeNxX wrote:

I don't have all those cards, it's just a reference list of stores that give people store cards with a soft pull via the check out trick....

 

And just getting them will help utilization...


Oh OK! I think it would be easier to just apply for one big tradeline for util help! Or are you trying to avoid a HP?

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

Just avoiding a hard pull...I don't even shop at these stores...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

[ Edited ]

harlem furniture? 

lol half of these are probably mom and pop shops. 

i havent heard of 80% of these stores. 

 

express maybe but their clothes have gone down in quality imo. 

 

edit:btw whats your aaoa? 

i wouldnt apply to too many of these. you could get stuck in the "toy" limit hell. and most of these probably if you dont use them for 5+ months could close your accounts for inactivity. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

This is the first that I have heard of VCF being a soft pull. Over the years eeryone I know that has applied for a VCF acct was denied

Valued Contributor
navigatethis12
Posts: 1,954
Registered: ‎01-24-2012
0

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

I do not think it is any more or less harmful than getting a hard pull for the account. A new account may still cause the score to drop and lenders to wonder what is up with all the new accounts. If you do not need them, I think it is useless to apply for them. I would rather have a card that I know I would use if you are worried about utilisation. You will probably have to use them a few times a year to keep them active.


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