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Contributor
greenpang
Posts: 81
Registered: ‎11-27-2012
0

EXPRESS: Hard or soft?

[ Edited ]

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 689, Vantage 790
My Wallet: Amex Green (NPSL) | Amex SPG (21.6K) | Citi ThankYou Preferred (10.5K) | Amex BCE (8K) | US Air Premier MC (9.5K) | Chase Sapphire Preferred (8.5K) | Chase Freedom (5K) | Barclays Arrival (5K) | Pier 1 (2.5K) | Express (0.8K) | Kohl's (0.5K)
DH's Wallet (AU): Amex PRG (NPSL) | Chase Sapphire Preferred (26.2K) | Amex Delta (22.5K) | Barclays Arrival (12.8K) | CareCredit (8K) | Amex BCE (7.5K) | Chase Freedom (7K) | Sears Citi (6K) | Victoria's Secret (1K)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: EXPRESS: Hard or soft?

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
Contributor
greenpang
Posts: 81
Registered: ‎11-27-2012
0

Re: EXPRESS: Hard or soft?

Awesome, thanks!

Credit Scores: FICOs: TU 721 | Plus FAKOs: EX 726, EQ 739, TU 735 | CK FAKOs: Transrisk 689, Vantage 790
My Wallet: Amex Green (NPSL) | Amex SPG (21.6K) | Citi ThankYou Preferred (10.5K) | Amex BCE (8K) | US Air Premier MC (9.5K) | Chase Sapphire Preferred (8.5K) | Chase Freedom (5K) | Barclays Arrival (5K) | Pier 1 (2.5K) | Express (0.8K) | Kohl's (0.5K)
DH's Wallet (AU): Amex PRG (NPSL) | Chase Sapphire Preferred (26.2K) | Amex Delta (22.5K) | Barclays Arrival (12.8K) | CareCredit (8K) | Amex BCE (7.5K) | Chase Freedom (7K) | Sears Citi (6K) | Victoria's Secret (1K)
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: EXPRESS: Hard or soft?

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 816 EX 780 TU 823
App free since 4/11/13
Contributor
jmco
Posts: 92
Registered: ‎09-23-2012
0

Re: EXPRESS: Hard or soft?

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
Regular Contributor
IECredit
Posts: 217
Registered: ‎07-15-2012
0

Re: EXPRESS: Hard or soft?

What kind of limits does Express give?

Current Score:TU 717(Walmart 1/9/14) / EQ 766(DCU Monthly 1/28/14) EX Fico 723(MyFico 9/15/13)
Goal Score: All above 800
Wallet: PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix 10,000 | Chase Freedom $1,000 | Discover $3,600 | WalMart $7,500 | Paypal MC $6,000 | Cap 1 QuickSliver $6,000 | Barclay NFL $3,400 | Best Buy $1,000 | Cap 1 Venture $6,000 | 11 Accounts $63,500 Revolving
Valued Contributor
dodgerslv
Posts: 1,841
Registered: ‎06-16-2012
0

Re: EXPRESS: Hard or soft?


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.


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).






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