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Frequent Contributor
Posts: 296
Registered: ‎02-01-2013
0

VS Shopping Cart Trick

I did the trick but did not accept as I didn't want the card. A couple days later, I received a letter from VS telling me I was preapproved again.

Is this the norm for shopping cart tricks if you don't accept?
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: VS Shopping Cart Trick

Yes, I believe so. A couple of years ago, I received the pre-approval for Express in the shopping cart but did not accept because I was in the process of buying my house at the time. A month later, I receieved a letter saying I was pre-approved and I could go in the store or online to accept it. I waited until a few months after I closed and went online and accepted it and received the card. They never did a HP.


Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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