cancel
Showing results for 
Search instead for 
Did you mean: 

Shopping Cart Trick (Soft Pull)

New Contributor

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.

Message 1 of 16
15 REPLIES
Frequent Contributor

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)


Message 2 of 16
Mega Contributor

Re: Shopping Cart Trick (Soft Pull)

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

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 16
New Contributor

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? 

Message 4 of 16
Mega Contributor

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!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 16
New Contributor

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.

Message 6 of 16
Super Contributor

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.

Message 7 of 16
Super Contributor

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.

Message 8 of 16
New Contributor

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.

Message 9 of 16
New Contributor

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?

Message 10 of 16