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I see many vs angel card here. Got a question.

Valued Contributor

Re: I see many vs angel card here. Got a question.


Epcot wrote:

Tried the shopping cart trick with VS. Got the message saying I was pre-approved for $1000, submitted the last 4 of my social and DOB. Then it gave me the 7-10 day message. Smiley Sad


Just a quick update on this. I have yet to get a letter or card in the mail. Although upon updating my credit report I see a new account. "Comenity Bank/VCTRSS" showing up as opened 10/1/12 with a $1k limit. No HP showed up as of today and I used the shopping cart trick about a week ago now.
Looks like I got it, wife will be happy! Smiley Very Happy

I will take a little hit on AAoA, but it will help my utilization.


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Highlighted
Established Member

Re: I see many vs angel card here. Got a question.

Nice!!  Congratulations Smiley Happy

 

And yes, wifey will love.

 

While I would love to get a CLI, not sure I need any more than what I have, esp since you can use it in BBW too...

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Regular Contributor

Re: I see many vs angel card here. Got a question.

Kind if off topic. But how long does it take to get the card? I was instantly approved over a week ago and I'm still waiting on the card Smiley Sad
Established Member

Re: I see many vs angel card here. Got a question.

7-10 business days (M-F)  If its been more than that, I woud give them a call.  It took about a week for me, I'm on the East Coast

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Valued Contributor

Re: I see many vs angel card here. Got a question.


alexak wrote:
Kind if off topic. But how long does it take to get the card? I was instantly approved over a week ago and I'm still waiting on the card Smiley Sad

Took me a full week+, approved on wednesday, got it FRIDAY the week after.

 

I used it yesterday. Waiting on statement to update, so I can PIF.

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor

Re: I see many vs angel card here. Got a question.

Got my card yesterday. About 12 days, including weekends.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
New Contributor

Re: I see many vs angel card here. Got a question.

Ha!! I used the shopping cart trick for a&e visa and IT WORKED!!! temp cl said 750 but approved @ $1,100. Wished I would have known to do this with vs..I only have a 350 cl alsoSmiley Mad...Looks like hubby is getting something nice for HIS birthday tmrw Smiley Happy..btw I love GECRB and they LOVE me too!

Last app 10/12
**no app'ing till 10/14 or more***
Regular Contributor

Re: I see many vs angel card here. Got a question.

So, I did the shopping cart trick on a few WFFNB (or is it WFNNB) backed cards...

 

A Trade Line for a Soft Pull, why not?

 

Well, I realized I hardly shop at these stores, and may never use these cards, as they have outrageous APR's.

 

I don't plan on closing them, as there isn't an AF, and it's a positive TL.

 

(I probably do plan on throwing the physical card away)

 

It can also help with utlization. Do CLI happen automatically, or can I call in and get them without every buying anything with the card?

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
Senior Contributor

Re: I see many vs angel card here. Got a question.


XxRaVeNxX wrote:

So, I did the shopping cart trick on a few WFFNB (or is it WFNNB) backed cards...

 

A Trade Line for a Soft Pull, why not?

 

Well, I realized I hardly shop at these stores, and may never use these cards, as they have outrageous APR's.

 

I don't plan on closing them, as there isn't an AF, and it's a positive TL.

 

(I probably do plan on throwing the physical card away)

 

It can also help with utlization. Do CLI happen automatically, or can I call in and get them without every buying anything with the card?


 

I doubt that they will continually raise your limits if you never even use the card once.

 

We have had a few auto CLIs, but not many.  Lots of people just call in & ask for them.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Established Contributor

Re: I see many vs angel card here. Got a question.

I've seen people who never used it once get 5-10x CLI increase... just saying..... of course they didn't request it the conventional way =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758