SHOPPING CART TRICK FOR BILL ME LATER HELP

[stefnian0426]

Hi all.

i just found out about this shopping cart trick a few weeks ago.

I got the VS and kingsizedirect cards that way.

When i go into my paypal, the bill me later pops up.

it says my name, address and ask's for bday info and last 4 digits of social.

i though i read some where that they do a hard pull (which is what i want to avoid)

Is that true or is it a sp.

Just want to check as i am trying to build/improve my credit

[OneDay_750]

IMO, if they are only asking for the last four of your SSN, it should be a SP. Hopefully somebody here will let us know for sure.

[stefnian0426]

Thank you.

Lately i have been getting pop ups for pre approvals all over the place, but only want to take the ones i will actually use or benefit from.

Bill me later would be a good one that i can use but really dont want that hard pull.

I have been debating just clicking yes, lol

[SunriseEarth]

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@stefnian0426 wrote:

Hi all.

i just found out about this shopping cart trick a few weeks ago.

I got the VS and kingsizedirect cards that way.

When i go into my paypal, the bill me later pops up.

it says my name, address and ask's for bday info and last 4 digits of social.

i though i read some where that they do a hard pull (which is what i want to avoid)

Is that true or is it a sp.

Just want to check as i am trying to build/improve my credit

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BML is a HP to open, but SP for any CLIs. 

[stefnian0426]

Even with the shopping cart trick/ pre-approval?

[SunriseEarth]

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@stefnian0426 wrote:

Even with the shopping cart trick/ pre-approval?

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That is correct.  It is still HP to open.  They pulled EQ for me.

Some of the Comenity co-branded CCs are HP to open, as well, even with SP pre-approval.   The store cards are all SP to open with "shopping cart trick"

[SunriseEarth]

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@stefnian0426 wrote:

Thank you.

Lately i have been getting pop ups for pre approvals all over the place, but only want to take the ones i will actually use or benefit from.

Bill me later would be a good one that i can use but really dont want that hard pull.

I have been debating just clicking yes, lol

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It is HP, but it's also a hidden TL that often has special financing.   It might be good for a large purchase you plan to carry as a balance. 

[dave024]

I had a Bill Me Later account for a couple years and a random purchase I made in 2012 resulted in a hard pull. Not really sure why, and the purchase was small ($90).

I have avoided them since then. One time I did use it again I called them first to make sure they wouldn't hard pull again, and they did claim that wasn't something they do and that it sounded like a mistake. I didn't ask them to look into it further. 

[SunriseEarth]

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@dave024 wrote:

I had a Bill Me Later account for a couple years and a random purchase I made in 2012 resulted in a hard pull. Not really sure why, and the purchase was small ($90).

I have avoided them since then. One time I did use it again I called them first to make sure they wouldn't hard pull again, and they did claim that wasn't something they do and that it sounded like a mistake. I didn't ask them to look into it further. 

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AFAIK, CLIs can occasionally result in HP, but shouldn't.  Hopefully, this improved when Comenity took them over.  I've only had the TL with Comenity, so I can't comment on how WebBank used to run the show. 

[stefnian0426]

OK, new question.

My husband and I are trying to get a home. sometime the end of this year or by spring of next.

i have 3 inquiries on my report

1 from 8/12, another from 2013 and 1 from jan/14

If i have another inq. on my report is that a bad thing?

Also for anyone out there who has the bill me later... is it worth it?

Just want to be sure, if i do decide to bite and it is a hp..just want to make sure it is worth it.

Thanks again!