Shopping cart trick

[IWOL]

From my experience playing with the shopping cart trick im guessing that the Total Rewards requires the highest underwriting standards to get the pre approval, then ones like Sportsmans Guide & Coldwater Creek and last the plain store cards.

They soft my EQ for all of these and I get the offers from Sportmans Guide, Coldwater Creek and all the stores like VS, Pottery Barn etc.

My EQ score is at 699. Im guessing you need around 720 score to get the Total Rewards pre approval so I dont get that one.

Ive never accepted any of these offers cause unless you are at the bottom range of acceptance for these I think even a B of A secured rewards card is better than one of these.

I can see these being of some use in rebuilding but I think alot of people will regret getting a whole bunch of them later on in their rebuild. When you get to a point that you want to apply for better cards I think it looks bad to underwriters when they see a dozen toy limit store cards.

[BigBS]

Agree with much of what you are saying, but not all of the CLs given are toy limits.

[Creditaddict]

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@BigBS wrote:

Agree with much of what you are saying, but not all of the CLs given are toy limits.

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For sure not toy!!!

Have you seen Ron!!

I got HSN for $1500

Vitacost MC for $1500

Now my first shopping cart tricks for Express and Buckle for $250 while yes are kind of toy, I at the time of approval was THRILLED with and they seem to have propelled me to some of these other... I applied for Pottery Barn ($2k, CLI instantly to $2800, and Bill Me Later $772 currently, have not tried to charge more) so for many the "in" is worth it's wait in GOLD!

and the only card that I got that I actually regret or have no use for is The Buckle.

[KCL75]

I wonder why I never saw the pop out..

My AAOA is 4.5 years

Credit score is 782 last time when Approved for SPG AMEX

I opted in and never see anything pop out.

[mongstradamus]

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@KCL75 wrote:

I wonder why I never saw the pop out..

My AAOA is 4.5 years

Credit score is 782 last time when Approved for SPG AMEX

I opted in and never see anything pop out.

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Doesn't work for everybody I have never got an popup either.my scores are similar to yours.in the high 700s.

[KCL75]

you opt in as well right? I tried my husband's info and doesn't work either

His profile was about the same as mine with longer AAOA

I wonder if we apply in store would it be SP?

I am never really interested in those store card but recently need a large purchase and want to get a sign up discount.

Also the total rewards one seems good to me too

[mongstradamus]

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@KCL75 wrote:

you opt in as well right? I tried my husband's info and doesn't work either

His profile was about the same as mine with longer AAOA

I wonder if we apply in store would it be SP?

I am never really interested in those store card but recently need a large purchase and want to get a sign up discount.

Also the total rewards one seems good to me too

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I was interested in it when I was in rebuilding phase last year, now I am in better position to get better cards,so I am meh on not getting popup anymore .

[KCL75]

Did you get pop out when rebuilding?

I don't know why I never get any..

[mongstradamus]

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@KCL75 wrote:

Did you get pop out when rebuilding?

I don't know why I never get any..

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No I never got popup.I still don't get them now with a clean credit report.oh well 

[Shogun]

I was placing an order off of HSN and had put in my paypal info, got the popup from them and got the HSN Commenity card with a $4K limit.