@Airforcekid wrote:I read through the thread but couldn't figure out what a shopping cart trick is?
It's a pre-approval through a checkout where it's a SP for what turns out to be a junk tradeline for the vast majority of people.
I don't understand it, if you have 3 cards + some installment tradeline that's pretty much all that's required for scoring purposes long term outside of not missing a payment... and store cards don't carry the same weight for underwriting: any underwriter worth a darn will know exactly how the tradeline was obtained anyway, and if they see new accounts, will just make the assumption it was either this trick or that the inquiry just landed on a different report they didn't pull.
In short it saves minimal points (if any), doesn't help avoid the review by underwriting if they look at it, and are on low quality tradelines.
Put simply, unless you shop there regularly anyway and the rewards make sense, skip it same as any other store card in my estimation: too easy to get far better in the current market.
Ive had no luck getting vitacost & coldwater creek 
guess theres no more soft pull mastercards or visa.
I tried a bunch of different sites and haven't gotten one pop-up. Maybe it's because I opted out of third party and affiliate marketing?
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