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Shopping Cart Trick??

Valued Contributor

Re: Shopping Cart Trick??


Cheryla18 wrote:

creditYum wrote:

For VS, add something to your cart. Go to checkout as guest, fill in your information as it would appear on your credit report. After filling in your billing information, press continue. Then it will show a little popup instead of the next screen which tells you that you have been pre-approved. If you have visitied/shopped at VS.com before, try clearing the cache in your browser or using an incognito tab within google chrome. Good luck!


You said billing information...where you referring to payment info??? or just the address info


From what I've read about the shopping cart trick, your billing address must exactly match what's on your CR for this to work. I've checked it out myself on VS and I got the popup with $1k CL. Didn't take it though but just wanted to see if it worked. It did. 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Message 21 of 47
Established Contributor

Re: Shopping Cart Trick??

What CB do they pull?

Current as of 7/10/17 EQ 598 TU 611 EX 629
Discharge 7/2016 Ch 7 BK
Message 22 of 47
Valued Contributor

Re: Shopping Cart Trick??

From all the post I have read, it is a SP on ExperianSmiley Happy


Cheryla18 wrote:

What CB do they pull?


 


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 23 of 47
Established Contributor

Re: Shopping Cart Trick??

Turns out I was not opted-in...hadn't heard of opting-in or out, but I just did it tonight. The site said it will take 5 days to start. I'll try agaon then.

May 2013 Starting Scores: 540's-570's
July 2016 Scores: 654-705 ...No Lates, CA's or CO's, new car + high Util
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna/Penfed FCU ($5000); NFCU CLOC ( $15,000); NFCU Refi ($18,144) Sony Visa ($3000); Apple PC'd to Rewards MC ($1200); Barclay Rewards MC ($1300); B&N ($500); Discover ($1000); 'Credit Steps' ($2300), QS One ($750);Care Credit ($9000); US Bank Platinum ($5000); Fifth Third SU2C ($3000); Kay's/Jared's ($4700); Target ($2000); Fingerhut/Gettington ($2250); **All my favorite retail cards ($61,000)..Luv'Em..they get heavy use!
Message 24 of 47
Super Contributor

Re: Shopping Cart Trick??


toi34 wrote:

Turns out I was not opted-in...hadn't heard of opting-in or out, but I just did it tonight. The site said it will take 5 days to start. I'll try agaon then.


Make sure your files are not frozen too.

I just tried it for the lulz and didn't get any pre-approvals. My EX & EQ are frozen

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 25 of 47
Established Contributor

Re: Shopping Cart Trick??

I am in NY and they SP EQ everytime! Never touched EX. I have 6 accounts with them and they keep offering me other pre-approvals for other cards. NO thank you

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 26 of 47
Established Contributor

Re: Shopping Cart Trick??


enharu wrote:

toi34 wrote:

Turns out I was not opted-in...hadn't heard of opting-in or out, but I just did it tonight. The site said it will take 5 days to start. I'll try agaon then.


Make sure your files are not frozen too.

I just tried it for the lulz and didn't get any pre-approvals. My EX & EQ are frozen

 


How do i determine if my files are frozen or not? Is there a website for that 2?

Current as of 7/10/17 EQ 598 TU 611 EX 629
Discharge 7/2016 Ch 7 BK
Message 27 of 47
Valued Contributor

Re: Shopping Cart Trick??


Cheryla18 wrote:

enharu wrote:

toi34 wrote:

Turns out I was not opted-in...hadn't heard of opting-in or out, but I just did it tonight. The site said it will take 5 days to start. I'll try agaon then.


Make sure your files are not frozen too.

I just tried it for the lulz and didn't get any pre-approvals. My EX & EQ are frozen

 


How do i determine if my files are frozen or not? Is there a website for that 2?


You freeze your own reports.  If you have not initiated that then your reports are not frozen.  If you want to find out more, just go to each of the CRA's and search for freeze or fraud alert.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 28 of 47
Established Contributor

Re: Shopping Cart Trick??


Rhaeny wrote:

Cheryla18 wrote:

enharu wrote:

toi34 wrote:

Turns out I was not opted-in...hadn't heard of opting-in or out, but I just did it tonight. The site said it will take 5 days to start. I'll try again then.


Make sure your files are not frozen too.

I just tried it for the lulz and didn't get any pre-approvals. My EX & EQ are frozen

 


How do i determine if my files are frozen or not? Is there a website for that 2?


You freeze your own reports.  If you have not initiated that then your reports are not frozen.  If you want to find out more, just go to each of the CRA's and search for freeze or fraud alert.


Years ago i worked for a Company and their employee info was compromised so they sent a letter out talking about monitoring and they may have froze mine then.

Current as of 7/10/17 EQ 598 TU 611 EX 629
Discharge 7/2016 Ch 7 BK
Message 29 of 47
Valued Contributor

Re: Shopping Cart Trick??

Once you get the cards are you supposed to use the like a regular credit card?  As in keep it under a 9% utl?  or can you just carry a $0 balance?

myFICO EQ Starting Score 568 05/01/2013 Current Score 657



Message 30 of 47