Shopping Cart Trick question....

[Scupra]

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@Anonymous wrote:

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@Scupra wrote:

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@Anonymous wrote:

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@Scupra wrote:

What other cards do you have? Rather than adding yet another store card with a toy limit, use a card that would yield some rewards.. Just an idea..

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Normally i'd back you 100%

But the OP did state that they actually will be using this card.

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What's the advantage of using a Buckle store card over a cash back credit card?

"I have gotten several cards doing the SCT"  This line just scares me..

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Believe me, that quote makes me shudder as well.

Assuming that Buckle is good about sending cardmembers good coupons like say Kohl's....Then it would be better to use that card.

@For example. I effectively get 10% CB @ Dick's Sporting goods with my Dick's card. No other card I have will match that.

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Got ya! Bad on my part for making the assumption it would be like DW's Express card. They send coupons sure, just the same ones they send me and I don't have an Express card. I just have the free Express rewards account. Thanks!

[App_Addict]

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@Scupra wrote:

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@Anonymous wrote:

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@Scupra wrote:

What other cards do you have? Rather than adding yet another store card with a toy limit, use a card that would yield some rewards.. Just an idea..

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Normally i'd back you 100%

But the OP did state that they actually will be using this card.

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What's the advantage of using a Buckle store card over a cash back credit card?

"I have gotten several cards doing the SCT"  This line just scares me..

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As some know I pretty much went crazy with the SCT and do regret it, however life goes on and it will all be just fine.  The reality is, anyone that checks these boards out will know that they SHOULD NOT go overboard, however to each is own!  I refuse to "preach" to those that want to do it, because everyone are adults here and they know what they are getting into when they dive in!

As far as the buckle card this is one that would never pop for me, when I wanted it to.  Anyone that has played around with this, knows that there is always that one (different for everybody) that just not seem to work for you and doesn't seem to make sense!  If you really want it, keep reading and keep trying and it will happen when you least expect it!

[Anonymous]

I am frustrated with the SCT, although after many tries I got the pop up on Overstock and was approved for a $500 limit. Was declined for the instant CLI as I tried 3 times and got the 7-10 day letter. My utilization was around 75% ( now down to upper 30's this week). I was told to reapply for a cli after my debt ratio lowers.

I am trying to rebuild my mom and wife's credit and for the life of me get nowhere after many tries on 7-8 stores. We are all interconnected on each other's accounts. My wife and I are au's on moms credit cards that were opened last year, and I have gotten Bloomingdales, Am Ex and Discover on my own.  My wife is on my Am Ex and Discover. My wife is just a total hodgepodge of excuses, debt ratio, inquiries, (she only has one), number of trades opened in last 12 months, total number of bank card inquires, one bank card at 90%. Her score is in the 600's, 640-660. Comenity is definitely a crap shoot.

just want a Comenity account or two to lower utilization under 30%. I don't like any of the stores.

My mom is elderly and I manage her credit and money. I had to create new e-mail addy's as once you keep applying for 3 people who live in the same house with the same e-mail addy,  the websites pull up the previous shopping cart linked to that e-mail addy with the other family members name.

I want my wife to get an account in her name. The Am Ex card hits 61 days next month, and I don't want excessive activity on my bureaus until after I attempt the 3x cli.

My take on them is that if one wants to receive a few accounts with a clean file and a really low FICO score, or to get a couple trade lines to lower utilization while trying to rebuild a score to exceed 700 with soft pulls, go for it. Other than that unless it is a major card with a sp app process, leave Comenity alone.

[Anonymous]

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@Anonymous wrote:

I am frustrated with the SCT, although after many tries I got the pop up on Overstock and was approved for a $500 limit. Was declined for the instant CLI as I tried 3 times and got the 7-10 day letter. My utilization was around 75% ( now down to upper 30's this week).

I am trying to rebuild my mom and wife's credit and for the life of me get nowhere after many tries on 7-8 stores. We are all interconnected on each other's accounts. My wife and I are au's on moms credit cards that were opened last year, and I have gotten Bloomingdales, Am Ex and Discover on my own.  My wife is on my Am Ex and Discover.

just want a Comenity account or two to lower utilization under 30%. I don't like any of the stores.

My mom is elderly and I manage her credit and money. I had to create new e-mail addy's as once you keep applying for 3 people who live in the same house with the same e-mail addy,  the websites pull up the previous shopping cart linked to that e-mail addy with the other family members name.

I want my wife to get an account in her name. The Am Ex card hits 61 days next month, and I don't want excessive activity on my bureaus until after I attempt the 3x cli.

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New accounts are activity too.

The best way to keep utility down with low credit limits is to NOT spend what you don't have. Make frequent payments before statement cut on what you DO spend. And keep a close eye on your accounts.

[Anonymous]

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@Anonymous wrote:

Hi all! First time poster, long time creeper. I have gotten several cards doing the SCT. The one I REALLY want is Buckle. Being a 6'2 chick, Buckle is pretty much the only place I can find jeans long enough. I have tried so many damn times, it's ridiculous. My question is, each time you get ready to do the whole checkout and registration process, can you keep using the same email each time you try? My dumbass enters a new email every time. Any and all input will be greatly appreciated. Still new to all this credit repair BS! 

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You can have mine!  It's my lowest cc and I can't get a cli with them but am over $1000 and up on the others.  I'm closing it soon.