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Established Member
TraumaMomm2
Posts: 52
Registered: ‎06-14-2011
0

Re: Express Preapproval (Shopping Cart Trick)

It also won't work if you've opted out... That was our problem. I went and opted back in, and within a week or so, we started getting the pop-ups. 


In the garden until 4/2015 and then only to refinance the house! I promise!
Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

Re: Express Preapproval (Shopping Cart Trick)

[ Edited ]

scarzy wrote:

injustifiiable wrote:

snowkitty wrote:

Congrats!! I declined the express card but I do have a victoria secret and brylane home card with commenity. When I called asking about a cli, they told me you have to wait 9 months. Hopefully they will be more like GE after that.


I was also told 9 months but I was able to get a CLI on my J.Crew card after having it for barely 2 months. Weird.


I also got a CLI with J. Crew, but I bought a couple of things during the 2 months.

The other Comenity's store cards were declined for the CLI. Maybe because I haven't used it yet?

 

 


It's so strange. I've only made two purchases on my J.Crew card and was able to get an increase. On the other hand, I've used my Express card a couple times a month since I've had it (I've had it since December) and keep getting NO on CLI. Guess I'll have to keep waiting on that one.

 

J. Crew probably wanted me to go spend some more $$$. lol.

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Senior Contributor
fishbjc
Posts: 3,439
Registered: ‎11-30-2007
0

Re: Express Preapproval (Shopping Cart Trick)

I accepted woman within bc they had bagallinis on sale, got vs for 500 and 250 for express also.
Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

Re: Express Preapproval (Shopping Cart Trick)

Valued Member
Erinkkelly
Posts: 48
Registered: ‎03-29-2013
0

Re: Express Preapproval (Shopping Cart Trick)

How do you know if you opted out and how do you opt back in?
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Express Preapproval (Shopping Cart Trick)


Erinkkelly wrote:
How do you know if you opted out and how do you opt back in?

I would assume that if you don't remember opting out then you probably are still opted in.  Nonetheless here is the website for both opt-in and opt-out.

 

https://www.optoutprescreen.com/?rf=t


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Express Preapproval (Shopping Cart Trick)


jdirilo wrote:
Geez I still can't get those damn cart tricks to work for anything! What's the average score they require for the pre approval to appear?

   I have heard the average score for preapproval is around 640 but each store can set its own criteria and also I have no way of testing it myself cause I never get the popups to work myself. I think it is because I am opted out of everything.  I know some who are opted out have reported that they still get the pop-up thing to work but it doesn't work for me. It ok I don't look good in women's underwear from Victoria's Secret anyway. I did have a victoria's secret card in college that i used to use to buy stuff for my girlfriend . I wonder if I could reapply and get it backdated like amex does.    :smileyhappy:

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Express Preapproval (Shopping Cart Trick)


Erinkkelly wrote:
How do you know if you opted out and how do you opt back in?

www.optoutprescreen.com




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Express Preapproval (Shopping Cart Trick)

It has taken me 5-6 years to get even near a$3k limit on my Express and Abercombie cards LOL... They grow steadily, buy not quickly
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
new_earth
Posts: 417
Registered: ‎03-23-2013
0

Re: Express Preapproval (Shopping Cart Trick)

[ Edited ]

dddewdrop wrote:

jdirilo wrote:
Geez I still can't get those damn cart tricks to work for anything! What's the average score they require for the pre approval to appear?

   I have heard the average score for preapproval is around 640 but each store can set its own criteria and also I have no way of testing it myself cause I never get the popups to work myself. I think it is because I am opted out of everything.  I know some who are opted out have reported that they still get the pop-up thing to work but it doesn't work for me. It ok I don't look good in women's underwear from Victoria's Secret anyway. I did have a victoria's secret card in college that i used to use to buy stuff for my girlfriend . I wonder if I could reapply and get it backdated like amex does.    :smileyhappy:


I assume it's lower than 640 for preapproval. I got pop ups with 100% final approval at around 612ish, 2 collections and a judgement.....

The Duck Card $7500 - DCU Visa Platinum $7100 - Amex Everyday $5000 - Amex Delta Skymiles $7700 - Amex BCE $2000 - Discover it $2500 - Chase Marriott $5000 - Chase Freedom $3500 - Chase Slate $2000 - Barclay Rewards MC $3300 - Ebates Visa $1800 - Macy's Amex $3000 - Bloomingdale's Amex $3000 - Walmart Discover $6000 - Chevron-Texaco Visa $3300 - PayPal SC $3200 - Home Depot $5000 - and too many other store cards

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