07-28-2013 09:50 AM
I am curious on trying this Shopping Cart Trick... I went to sears the other day and applied for a store card and I was denied! Instead they said I was pre-approved for a $750 lease to purchase line of credit... Or something similar to that. But no card with revolving credit!
Which stores can I try this trick at?
07-28-2013 09:57 AM
I just tried this on victorias secrets website.... no idea why i need a bra LMAO... but just to test if it worked I tried it... i checked out as guest... put in my personal info... got to payment method... before I put in any payment method I DID NOT get a pop up... does that mean automatic denial? Or should I go one step furthur with payment info?
07-28-2013 10:13 AM
You can try the shopping cart trick at:
Abercrombie & Fitch
Love Loft (by Ann Taylor)
New York & Company
I got pop ups this year and a couple years ago for VS, J.Crew, Love Loft, HSN, Express
07-28-2013 10:18 AM
I've been researching this all morning and am confused about the steps. Do I need to create an account or should I try it as a guest??? Ive been seeing it both ways. And do i put in my billing info then get the pop up... or do i get the pop up before the billing info is entered?
07-28-2013 10:19 AM
I decided against victoria secrets cause i have no need for that gear... but want to try other places like Trek Bikes ... or Best Buy... Wonder if starbucks has a card?
07-28-2013 10:27 AM
Put some items in the shopping cart and check out as a guest. Enter in your address information and continue to the next screen. After that a pop up should show up because Comenity Soft Pulls based off of your address information you put it during check out. You don't have to enter in your credit or debit information.
07-28-2013 10:34 AM
I just tried dillards as a guest... got all the way to enter my payment information... and nothing!!!! Same thing happened with Victoria Secrets
07-28-2013 10:41 AM
It could be possible that your score that is in your siggy might be a little low. But that's okay because all of us are working towards are goal of improving are scores. I'd say wait until your score hits around 590 - 610. Are you opted out of receiving screenings such as pre-approvals.?
07-28-2013 10:46 AM
I would have no idea how to opt out of pre-approvals... I just heard of opting out today so perhaps maybe i did accidently... do I opt out in my credit report... or is it a National Agency that controls that?
My FAKO score is about 560..... and ive been hit hard and soft alot recently.. my credit is wrecked... but I am working on rebuilding it... Just paid off my car loan yesterday and a utility bill yesterday!!!!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.