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greenpang
Posts: 73
Registered: ‎11-27-2012

EXPRESS: Hard or soft?

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‎12-07-2012 01:43 PM - edited ‎12-07-2012 01:51 PM

I just registered my Express Rewards account (just the store rewards card, not the credit card) onilne, and it informed me that I'm pre-approved for the credit card.

 

I clicked to read more, and the next page is titled "THE EXPRESS NEXT CREDIT CARD APPLICATION," but it only asks for the last four digits of my SSN and my birthdate.

 

Any idea whether this will be a hard or soft pull? I'm happy to press the apply button if soft, and I've read you guys talking about the "shopping cart trick," but I don't quite understand what that is.

Credit Scores: FICOs: TU 721 | Plus FAKOs: EX 726, EQ 739, TU 735 | CK FAKOs: Transrisk 685, Vantage 790
My Wallet: Amex Green (NPSL) | Citi ThankYou Preferred (10.5K) | Amex BCE (8K) | US Air Premier MC (7.5K) | Amex SPG (7.2K) | Chase Sapphire Preferred (6K) | Chase Freedom (5K) | Barclays Arrival (5K) | Pier 1 (2.5K) | Express (0.55K) | Kohl's (0.5K)
DH's Wallet (AU): Amex PRG (NPSL) | Chase Sapphire Preferred (26.2K) | Barclays Arrival (12.8K) | CareCredit (8K) | Amex Delta (7.5K) | Amex BCE (7.5K) | Chase Freedom (7K) | Sears Citi (6K) | Victoria's Secret (1K)
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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: EXPRESS: Hard or soft?

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‎12-07-2012 01:52 PM

it's a soft and approval it's a comenity / wnffb trick to get a card with no inquiry :smileytongue:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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New Contributor
greenpang
Posts: 73
Registered: ‎11-27-2012

Re: EXPRESS: Hard or soft?

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‎12-07-2012 02:01 PM

Awesome, thanks!

Credit Scores: FICOs: TU 721 | Plus FAKOs: EX 726, EQ 739, TU 735 | CK FAKOs: Transrisk 685, Vantage 790
My Wallet: Amex Green (NPSL) | Citi ThankYou Preferred (10.5K) | Amex BCE (8K) | US Air Premier MC (7.5K) | Amex SPG (7.2K) | Chase Sapphire Preferred (6K) | Chase Freedom (5K) | Barclays Arrival (5K) | Pier 1 (2.5K) | Express (0.55K) | Kohl's (0.5K)
DH's Wallet (AU): Amex PRG (NPSL) | Chase Sapphire Preferred (26.2K) | Barclays Arrival (12.8K) | CareCredit (8K) | Amex Delta (7.5K) | Amex BCE (7.5K) | Chase Freedom (7K) | Sears Citi (6K) | Victoria's Secret (1K)
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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: EXPRESS: Hard or soft?

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‎12-07-2012 02:22 PM

I did the shopping cart trick with Victoria Secret and Walmart.

Both were pre-approvals through their shopping cart and both were soft pulls. Although based on what I have read here, walmart may have been a fluke.
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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jmco
Posts: 92
Registered: ‎09-23-2012

Re: EXPRESS: Hard or soft?

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‎12-07-2012 05:38 PM

does anyone else do this?  I need a tj maxx card!!!  LMAO!

 

Starting Score: 720
Current Score: 626
Goal Score: 700

Take the FICO Fitness Challenge
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Regular Contributor
IECredit
Posts: 181
Registered: ‎07-15-2012

Re: EXPRESS: Hard or soft?

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‎12-07-2012 06:15 PM

What kind of limits does Express give?

(Starting Score: 6/2012 TU 540 / EQ 565 / EX Fako 523)
Current Score:TU 707(GE Pull 5/6/13) / EQ 701(DCU HP 4/19/13) / EX Fico 709(MyFico 6/15/13)
Goal Score: All above 800
Wallet: DCU Plat. $5K | Chase Freedom $1K | Discover More $1K | WalMart $2K | Paypal MC $1.5K | Cap One Plat. $2.5K | Kays $0.8K | Barclay NFL $1K | Best Buy $1K | Orchard $1K | Cap One Cash $2.5K | FingerHut $1.1K | IN THE GARDEN(5/6/13) $20.5K Revolving
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Established Contributor
dodgerslv
Posts: 919
Registered: ‎06-16-2012

Re: EXPRESS: Hard or soft?

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‎12-07-2012 06:17 PM

IECredit wrote:

What kind of limits does Express give?

I think they are known to give toy limits (correct me if im wrong)...i would say somewhere around the 300-500 limit range.

BofA BB (7K) BofA CR (11K) Chase United Club (9K) Chase Marriott (5K) Cap1 (3.5K) US Bank Flex Perks (3K) Amex BCP/Costco (2K) Citi Simplicity (2K) Discover (2K) Walmart (6K) Macy's (2.5K) Dillards (3.3K) Amex Green NPSL

MyFico scores (6/2013): EX 710--EQ 702--TU 715
No more new cards for 2013. Serious gardening needed.
Future Cards: CSP, Citi AAdvantage, Fidelity AMEX/Visa Siggy




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