Reply
New Contributor
Posts: 70
Registered: ‎01-19-2014
0

Shopping Cart Trick (Soft Pull)

If I get the shopping cart trick to pop and I go through with the application lets say at J.Crew or Express, is the whole process a soft pull, or when you're taken to the application process do they need a hard pull to extend the credit? Also, does walmart offer the pre approval on their site. I can't get that one to pop. Thanks in advance.

Frequent Contributor
Posts: 465
Registered: ‎10-11-2013
0

Re: Shopping Cart Trick (Soft Pull)


Maximuss wrote:

If I get the shopping cart trick to pop and I go through with the application lets say at J.Crew or Express, is the whole process a soft pull, or when you're taken to the application process do they need a hard pull to extend the credit? Also, does walmart offer the pre approval on their site. I can't get that one to pop. Thanks in advance.


The whole process is a soft pull.  Walmart doesn't offer a preapproval.

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Mega Contributor
Posts: 16,715
Registered: ‎08-08-2011
0

Re: Shopping Cart Trick (Soft Pull)

[ Edited ]

I have read where when you accept the card they do a hp so very much YMMV!

New Contributor
Posts: 70
Registered: ‎01-19-2014
0

Re: Shopping Cart Trick (Soft Pull)

Well I tried this fully expecting not to get anywhere specially since I tried for the Sportsman's Guide Visa. To my surprise I was approved for $2500.00 with a very thin file and a CA from 2.5 years ago. Even if it was a hard pull it was worth it to me. When you're rebuilding you take what you can get. I have a secured BofA and now this card. Just trying to decide if accepting the J Crew pre-approval that also popped for me is a good idea too to have 3 TL reporting or if I should stop here. Any suggestions? 

Mega Contributor
Posts: 16,715
Registered: ‎08-08-2011
0

Re: Shopping Cart Trick (Soft Pull)


Maximuss wrote:

Well I tried this fully expecting not to get anywhere specially since I tried for the Sportsman's Guide Visa. To my surprise I was approved for $2500.00 with a very thin file and a CA from 2.5 years ago. Even if it was a hard pull it was worth it to me. When you're rebuilding you take what you can get. I have a secured BofA and now this card. Just trying to decide if accepting the J Crew pre-approval that also popped for me is a good idea too to have 3 TL reporting or if I should stop here. Any suggestions? 


Whoo! Hoo! Congrats! Definately worth a hp!

New Contributor
Posts: 70
Registered: ‎01-19-2014
0

Re: Shopping Cart Trick (Soft Pull)


coldnmn wrote:

Maximuss wrote:

Well I tried this fully expecting not to get anywhere specially since I tried for the Sportsman's Guide Visa. To my surprise I was approved for $2500.00 with a very thin file and a CA from 2.5 years ago. Even if it was a hard pull it was worth it to me. When you're rebuilding you take what you can get. I have a secured BofA and now this card. Just trying to decide if accepting the J Crew pre-approval that also popped for me is a good idea too to have 3 TL reporting or if I should stop here. Any suggestions? 


Whoo! Hoo! Congrats! Definately worth a hp!


Thank you!!! Sure was nice to see approved on the screen.

Super Contributor
Posts: 10,312
Registered: ‎04-22-2013
0

Re: Shopping Cart Trick (Soft Pull)


coldnmn wrote:

I have read where when you accept the card they do a hp so very much YMMV!


That would very much defeat the purpose of the shopping card trick, so if that happens, that is very much the exception.

Super Contributor
Posts: 10,312
Registered: ‎04-22-2013
0

Re: Shopping Cart Trick (Soft Pull)


Maximuss wrote:

coldnmn wrote:

Maximuss wrote:

Well I tried this fully expecting not to get anywhere specially since I tried for the Sportsman's Guide Visa. To my surprise I was approved for $2500.00 with a very thin file and a CA from 2.5 years ago. Even if it was a hard pull it was worth it to me. When you're rebuilding you take what you can get. I have a secured BofA and now this card. Just trying to decide if accepting the J Crew pre-approval that also popped for me is a good idea too to have 3 TL reporting or if I should stop here. Any suggestions? 


Whoo! Hoo! Congrats! Definately worth a hp!


Thank you!!! Sure was nice to see approved on the screen.


Yes, $2,500 is great.   My concern with the shopping cart approach is when people are getting tiny lines, and wrecking their AAoA, just to avoid HPs which go away anyway.

New Contributor
Posts: 70
Registered: ‎01-19-2014
0

Re: Shopping Cart Trick (Soft Pull)

It only asked for last 4 of SS. so I highly doubt it can be a HP. But I guess anything can happen. Regardless, I can't really complain.

New Contributor
Posts: 70
Registered: ‎01-19-2014
0

Re: Shopping Cart Trick (Soft Pull)


longtimelurker wrote:

Maximuss wrote:

coldnmn wrote:

Maximuss wrote:

Well I tried this fully expecting not to get anywhere specially since I tried for the Sportsman's Guide Visa. To my surprise I was approved for $2500.00 with a very thin file and a CA from 2.5 years ago. Even if it was a hard pull it was worth it to me. When you're rebuilding you take what you can get. I have a secured BofA and now this card. Just trying to decide if accepting the J Crew pre-approval that also popped for me is a good idea too to have 3 TL reporting or if I should stop here. Any suggestions? 


Whoo! Hoo! Congrats! Definately worth a hp!


Thank you!!! Sure was nice to see approved on the screen.


Yes, $2,500 is great.   My concern with the shopping cart approach is when people are getting tiny lines, and wrecking their AAoA, just to avoid HPs which go away anyway.


So you would advice against pulling the trigger on J Crew just to pad the file a little since it's pretty thin?

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.