Rhaeny wrote: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.
Thank you! That clearly answered it ( I must have missed the other post you responded to )
Starting Score: 700 (08/12)
Wolf3 wrote:
Blazesian wrote: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..
Why not just apply for the VS card if you want it? You don't need an invitation. IMO, Store cards are great if you are a frequent customer.
I've been getting rejected lately due to having way too many inquiries, so if I haven't gotten a pre-approval at the end of my gardening (May) then I will apply. I've just gotten three new cards in a month, so I'm sure they'd deny me right now (:
eviLution wrote:
jsickz32 wrote:
I have never opted out so i guess. I dont know about her tho. I think she had bk7 when she was 20 (shes older than me). Kind of glad i didnt get it tho because im breaking up with her soon.This is why I always ask the ladies what their Fico Scores are before I start dating them. I tell them to delete my number if their response is "what's a fico score?"
JK
Lol!
Starting Score: EQ 717 EX 724 TU 736
