Store Cards

[Sobo]

Are store credit cards generally easier to obtain than general cards?

[myjourney]

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@Sobo wrote:
Are store credit cards generally easier to obtain than general cards?

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Not always but in most cases

some co-branded cards are just as hard to get

Example walmart discover hard to get 

Whereas walmart is easier to get

All depend on the product and underwriting

[los_west]

It depends.  I personally do find store cards much easier to get--especially those you can get with a soft pull through the shopping card trick.

Most major credit cards are a hard pull, and depending on the creditor and their underwriting, some are fairly difficult to get, even with great credit scores.

[Sobo]

What stores do soft pulls? I have applied to a couple cards recently and they were hard. I want to keep that number down.

I will be getting a secured card, but was curious about a store card.

[los_west]

Well, the most common store cards with soft pulls seems to be J crew, Express, and Victoria Secret...not huge credit lines, but fairly easy to get by most people.  There are a few catalog companies that offer them too: Bylane, Chadwicks....etc.  Google or search for "shopping cart trick" and you will find a whole list.

As for Walmart, Macys, Nordstroms (those kinds of stores)...it is a hard inquiry, I believe.  Different people have different levels of success.

As for me--Best Buy, Target, and Toys R Us all approved me on a hard inquiry, while my credit was still "less than stellar."  But the credit lines are not high, and don't expect huge CLI either. 

[myjourney]

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@Sobo wrote:
What stores do soft pulls? I have applied to a couple cards recently and they were hard. I want to keep that number down.

I will be getting a secured card, but was curious about a store card.

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All the stores that use the shopping cart trick are SP's 

[Sobo]

And the trick won't work if I opted out?

I opted out thinking it would boost my score, but it didn't. I'm trying to think of how I can opt back in and get a store card. I forgot the address.

[Shogun]

If you are opted out, I don't think it will work.

www.optoutprescreen.com

[Sobo]

Thanks. I opted back in, it should be on there in 5 days. I'll try in a couple weeks.