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Is the Shopping Cart Trick always a SP after you Accept?

tag
Fresh-Start
Frequent Contributor

Is the Shopping Cart Trick always a SP after you Accept?

Hi everyone,

 

Just received the pop up preapproval for Victoria's Secret and accepted.  I saw that they soft pulled me back a few weeks ago, so when i signed on the preapproval was there.  Will this be a sp or hp since I accepted?

Message 1 of 8
7 REPLIES 7
coldnmn
Mega Contributor

Re: Is the Shopping Cart Trick always a SP after you Accept?

From everything I have read it's a soft pull. Congrats!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 8
Fresh-Start
Frequent Contributor

Re: Is the Shopping Cart Trick always a SP after you Accept?


@coldnmn wrote:

From everything I have read it's a soft pull. Congrats!


Yeah, that's what I was reading on here but wanted to make sure because I really do not need anymore Hard pull inquiries this year..lol!    And Thanks for the congrats!  

Message 3 of 8
toi34
Established Contributor

Re: Is the Shopping Cart Trick always a SP after you Accept?


@Fresh-Start wrote:

Hi everyone,

 

Just received the pop up preapproval for Victoria's Secret and accepted.  I saw that they soft pulled me back a few weeks ago, so when i signed on the preapproval was there.  Will this be a sp or hp since I accepted?


VS never pre-soft pulled me; instead, when I got the pop-up is when they softed pulled my CR -- in that instant. So it sounds like you registered on their site before the SP???

Message 4 of 8
SunriseEarth
Moderator Emeritus

Re: Is the Shopping Cart Trick always a SP after you Accept?


@Fresh-Start wrote:

Hi everyone,

 

Just received the pop up preapproval for Victoria's Secret and accepted.  I saw that they soft pulled me back a few weeks ago, so when i signed on the preapproval was there.  Will this be a sp or hp since I accepted?


VS is SP for the shopping card trick.  That's why people like the shopping card trick so much.  Congrats on new TL!



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 5 of 8
Fresh-Start
Frequent Contributor

Re: Is the Shopping Cart Trick always a SP after you Accept?


@toi34 wrote:

@Fresh-Start wrote:

Hi everyone,

 

Just received the pop up preapproval for Victoria's Secret and accepted.  I saw that they soft pulled me back a few weeks ago, so when i signed on the preapproval was there.  Will this be a sp or hp since I accepted?


VS never pre-soft pulled me; instead, when I got the pop-up is when they softed pulled my CR -- in that instant. So it sounds like you registered on their site before the SP???


Yes, I've been registered on their site for years.  Never received a pre-approval pop up until today.  I pull my credit reports at least once a month and just this morning I noticed they sp'd me on Equifax..so I thought hmmm wonder why?? So I logged in and BAM, the pre-approval pop up saying I was preapproved for $500.  I had to enter the last four of my social security, dob and that was it.  Smiley Very Happy

Message 6 of 8
Fresh-Start
Frequent Contributor

Re: Is the Shopping Cart Trick always a SP after you Accept?


@SunriseEarth wrote:

@Fresh-Start wrote:

Hi everyone,

 

Just received the pop up preapproval for Victoria's Secret and accepted.  I saw that they soft pulled me back a few weeks ago, so when i signed on the preapproval was there.  Will this be a sp or hp since I accepted?


VS is SP for the shopping card trick.  That's why people like the shopping card trick so much.  Congrats on new TL!


Thank you!!  Robot Happy  I am in major pay off balance mode to get my utl down so I can get some CLI's in Jan/Feb, so I will use it very lightly if at all for now.

Message 7 of 8
wHiTeSoL
Valued Contributor

Re: Is the Shopping Cart Trick always a SP after you Accept?

There are some cards that are HPs when accepted. Total rewards is one I can think of.
Message 8 of 8
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