Credit Card Center Advertiser Disclosure

Posts: 144
Registered: ‎05-23-2011
0 Kudos

Re: The Shopping Trick? No idea how to START

So I tried this and it didnt work at first. I did the checkout thing like 5x and finally got the pop-up. I however put in my physical address instead of my mailing address, so i got the processing message 7-10 days. Got the letter in the mail denied due to address. Called the number for recon. Was advised to take DL into store for verification.  So Blows but a +TL for a soft works for me any day.  

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board

Take the FICO Fitness Challenge

New Contributor
Posts: 178
Registered: ‎04-06-2013
0 Kudos

Re: The Shopping Trick? No idea how to START

I find this intriguing. Hubs is to the point where (other than LVNV funding, grr) there is nothing he can pay off. He has a bike loan from May '11, 3 SL paying on since '10, and 0 revolving credit. We made the mistake of paying everything we could in 07-08 and then running away from credit. So now all of the baddies still show, but nothing good other than the bike and the SL. I wonder if since he needs credit, I should get him to try this.

Starting my rebuild!

Regular Contributor
Posts: 230
Registered: ‎04-08-2008
0 Kudos

Re: The Shopping Trick? No idea how to START

I have 5 cards that were obtained with the shopping cart trick. It's very easy to get, and most will get $250 limits. Currently, I have used 3 of the five cards, and realized that I got sucked into getting ez credit. My intentions were honest at the better my credit and to establish a relationship with Comenity Bank.


My AAoA dropped to 3 months instead of six. Too many new accounts hampers my credit report. If I would have waited, and not applied for ez credit, maybe my approvals rate would have been higher with other creditors. Maybe I would have that CLI. Maybe I would have inch my way into primeland. 


All the hard work at the beginning was all for naught since I have to start over again. So, be careful of accepting all the ez pre-approvals with the cart trick, because it will bite you in the a*s! As for me, time is my best friend now, and I should have not let go of its hand....

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Valued Member
Posts: 39
Registered: ‎04-08-2013
0 Kudos

Re: The Shopping Trick? No idea how to START

I have been doing the shopping cart trick and I now have Target, JCrew, Ann Taylor, One Stop Shop, but I never got the pop up from the one store I really wanted....... Vickie Secret!!!!!! Well I decided to just apply on my own, I got the 7-10 day message, I received the letter in the mail and it stated they needed to verify some information. I called and a nice guy asked me a few verification questions and he said " are you ready to become an Angel" I said "you know I am" he said "congratulations you have been approved for $250.00" I was very happy. I love vickie secret, I missed out on the free towel they had last week, but it appears they are always having one sale or another so I know I will enjoy this card. yahoo yaaaaaa me!!!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.