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Member
Blazesian
Posts: 14
Registered: ‎05-09-2012

The Shopping Trick? No idea how to START

I'm Gardening, so I can not use the trick just yet (although it's tempting), but I keep reading the posts saying how you get a pop up at check out...

Are you supposed to create an account first, then add items to the cart, etc? Were you already a heavy shopper with that store? I tried going to VS

and adding a bunch of things into the cart and clicking "checkout" and nothing happened..




Starting Score: 700 (08/12)
Current Score: 585 (After Job Loss/ 2 Maxed Out Cards/ 3 New Accounts + 1 new Loan)
Goal Score: 720

Discover More, Capital One Premier, Capital One Cash-back, Wal-Mart, Amazon Rewards Visa
Valued Contributor
nicholasyud
Posts: 1,589
Registered: ‎08-13-2012

Re: The Shopping Trick? No idea how to START

I TRY THIS MORNING ON EXPRESS . DURING THE CHECK OUT . AFTER PUT MY INFORMAITON IN THE POP UP ASK ME TO APPLY FOR CREDIT CARD.

SINCE I DONT NEED THEM I  IGNORED IT.

ITS SHOULD BE A SOFT PULL BUT I DONT NEED A NEW TRADE LINE ON MY REPORT.....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800


Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

Established Contributor
eviLution
Posts: 543
Registered: ‎06-11-2012

Re: The Shopping Trick? No idea how to START


nicholasyud wrote:

I TRY THIS MORNING ON EXPRESS . DURING THE CHECK OUT . AFTER PUT MY INFORMAITON IN THE POP UP ASK ME TO APPLY FOR CREDIT CARD.

SINCE I DONT NEED THEM I  IGNORED IT.

ITS SHOULD BE A SOFT PULL BUT I DONT NEED A NEW TRADE LINE ON MY REPORT.....


Can you please text a little louder? I can barely read you. JK LOL


Current Score: DCU EQ 702 - EXP+ 711 - WM TU 719
Goal Score: 750+

Capital One Secured: 750 - DCU Platinum: 1500 - Discover IT: 1250
in the garden til 7/1/2013
Valued Contributor
nicholasyud
Posts: 1,589
Registered: ‎08-13-2012

Re: The Shopping Trick? No idea how to START


eviLution wrote:

nicholasyud wrote:

I TRY THIS MORNING ON EXPRESS . DURING THE CHECK OUT . AFTER PUT MY INFORMAITON IN THE POP UP ASK ME TO APPLY FOR CREDIT CARD.

SINCE I DONT NEED THEM I  IGNORED IT.

ITS SHOULD BE A SOFT PULL BUT I DONT NEED A NEW TRADE LINE ON MY REPORT.....


Can you please text a little louder? I can barely read you. JK LOL


Seem like you need to  buy a new pair of sunglass buddie :smileyvery-happy:


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800


Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

Established Contributor
eviLution
Posts: 543
Registered: ‎06-11-2012

Re: The Shopping Trick? No idea how to START

What about suntan lotion? SPF 50 good enough bro? :smileylol:


Current Score: DCU EQ 702 - EXP+ 711 - WM TU 719
Goal Score: 750+

Capital One Secured: 750 - DCU Platinum: 1500 - Discover IT: 1250
in the garden til 7/1/2013
Valued Contributor
Rhaeny
Posts: 1,109
Registered: ‎07-24-2011

Re: The Shopping Trick? No idea how to START

[ Edited ]

I had already answered another post asking the same question so I will just re-post it here:

 

The shopping cart trick is when you go to any of the sites the issue cards from Commenity (formerly WFFNB) and when you go to check out (you need to have created an account with your name and address) a pre-approved offer pops up.  In order for this to work you have to be opted in and your address on your credit report should be your current one.  You just put an item in your shopping cart and go to check out.  If there is a pre-approval waiting for you it will pop-up to tell you so.  It literally has the verbage you have been pre-approved.  You only enter the last 4 digits of your ss# and just a few other details (can't quite remember exactly what they were) and you've got your account.  This is all done with a soft pull.  

 

I've read that some people have tried it for months before they got it, but I got all of mine within a day or two of each other.  You can check your SP's to see who is checking your credit and that will tell you if you might have a pre-approval waiting for you.  If you have to put in your full ss# then that is a hard pull and not a pre-approva.  However the pre-approval clearly says "pre-approved" so its not hard to miss.  I got The Avenue, Victoria's Secret, Catherines & Woman Within with a total CL of $2K.  


Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
April Scores: EX 722 (USAA), TU 669 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 4/8/2013
Valued Contributor
jsickz32
Posts: 1,815
Registered: ‎06-25-2012

Re: The Shopping Trick? No idea how to START

This has never worked for me
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (601) / PayPal Smart connect (2200)
Valued Contributor
Rhaeny
Posts: 1,109
Registered: ‎07-24-2011

Re: The Shopping Trick? No idea how to START


jsickz32 wrote:
This has never worked for me

With your credit you don't need these!!! 

 

Your limits compared to what these offers are would probably send you to emergency because you couldn't stop laughing.


Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
April Scores: EX 722 (USAA), TU 669 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 4/8/2013
Valued Contributor
jsickz32
Posts: 1,815
Registered: ‎06-25-2012

Re: The Shopping Trick? No idea how to START

I tried to get the VS for the gf since she cant even get a debit card lol but no luck.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (601) / PayPal Smart connect (2200)
Valued Contributor
Rhaeny
Posts: 1,109
Registered: ‎07-24-2011

Re: The Shopping Trick? No idea how to START


jsickz32 wrote:
I tried to get the VS for the gf since she cant even get a debit card lol but no luck.

Are you both opted-in?  They sp'd me on EQ and as soon as I saw it I went right to the VS website and there was the offer.  Well I should say a few days later...LOL!


Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
April Scores: EX 722 (USAA), TU 669 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 4/8/2013

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