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Is the J Crew card a HP without the shopping cart trick? most of my wardrobe is J Crew so this card would help and I don't have any store cards so this would be nice.
I'd just do the shopping cart trick. It worked for me, but the limit was so tiny the card was useless so I cancelled it.
Mine was an HP without the shopping cart trick - I applied before I knew such a thing existed.
It seems if you have seen the pop-up, and missed it, SOMETIMES you can still apply for that card with an SP, but without ever seeing the pop-up, its def going to be HP.
It was a soft pull for me, via the shopping cart trick. I got a 500 limit, which is now at 4900 after 8 months. Only spent 14 total on the card.