topic Re: Store Cards - APPROVED! in Credit Card Approvals

Store Cards - APPROVED!

Anonymous — Sat, 12 May 2012 04:56:45 GMT

I always read the posts for advice on here and I decided to apply for a store card since I didn't have one (have Cap1, Household Bank, Credit Union CC). Applied for Newport News - got approved for $250. So I tried Victoria's Secret - got approved for $250, then did J Crew and The Limited. All approved. I think I'll stop now. Credit scores are all low 600s. The cards came fast too, within 3 days.

Re: Store Cards - APPROVED!

Brian_Trying_700 — Sat, 12 May 2012 05:33:18 GMT

Hard pull on your credit report ?

Re: Store Cards - APPROVED!

Anonymous — Sat, 12 May 2012 08:17:41 GMT

@Brian_Trying_700 wrote:
Hard pull on your credit report ?

Whenever you apply for any type of credit, it is a hard inquiry.

Re: Store Cards - APPROVED!

bostonte — Sat, 12 May 2012 12:40:19 GMT

@Anonymous wrote:
@Brian_Trying_700 wrote:
Hard pull on your credit report ?
Whenever you apply for any type of credit, it is a hard inquiry.

Except all the cards the OP mentioned are well known to be available through the "no hard inquiry offer while checking out online" method from that particular lender.

Re: Store Cards - APPROVED!

Brian_Trying_700 — Sun, 13 May 2012 04:33:38 GMT

@bostonte wrote:
@Anonymous wrote:
@Brian_Trying_700 wrote:
Hard pull on your credit report ?
Whenever you apply for any type of credit, it is a hard inquiry.
Except all the cards the OP mentioned are well known to be available through the "no hard inquiry offer while checking out online" method from that particular lender.

Which cards are they? Or apping on what site.

Re: Store Cards - APPROVED!

Repo-ed — Sun, 13 May 2012 14:22:41 GMT

@bostonte wrote:
@Anonymous wrote:
@Brian_Trying_700 wrote:
Hard pull on your credit report ?
Whenever you apply for any type of credit, it is a hard inquiry.
Except all the cards the OP mentioned are well known to be available through the "no hard inquiry offer while checking out online" method from that particular lender.

Never heard of that. Please explain?

Re: Store Cards - APPROVED!

Anonymous — Sun, 13 May 2012 16:52:29 GMT

I went to the actual websites (newportnews.com; victoriassecret.com; thelimited.com; jcrew.com) and clicked on their credit card app buttons.

They were hardpulls through Equifax, although only the newport news & victoriassecret showed up as inquiries so far per my equifax score watch subscription.

All of these stores are WFNNB financed. I hope to get CLIs in the future. I will keep you updated

Re: Store Cards - APPROVED!

Creditaddict — Sun, 13 May 2012 17:34:07 GMT

@Repo-ed wrote:
@bostonte wrote:
@Anonymous wrote:
@Brian_Trying_700 wrote:
Hard pull on your credit report ?
Whenever you apply for any type of credit, it is a hard inquiry.
Except all the cards the OP mentioned are well known to be available through the "no hard inquiry offer while checking out online" method from that particular lender.

Never heard of that. Please explain?

WFNB that issues all these cards and express is known to go in and create an account for shopping, then go back into the account edit in all info you can, shipping, billy address, etc. etc. Go put an item in your shopping card, then go to check out and it should happen pretty quick but a screen with just pop up over top the page you are on and say congrats you are pre approved, click yes to accept and continue check out or no.

it is 99% of the time instant and it's 100% always no HP.

and if approved you can still cancel out of checking out and not buy anything, you will still get the card.

Re: Store Cards - APPROVED!

2NE1 — Mon, 14 May 2012 22:03:02 GMT

Creditaddict wrote:

WFNB that issues all these cards and express is known to go in and create an account for shopping, then go back into the account edit in all info you can, shipping, billy address, etc. etc. Go put an item in your shopping card, then go to check out and it should happen pretty quick but a screen with just pop up over top the page you are on and say congrats you are pre approved, click yes to accept and continue check out or no.
it is 99% of the time instant and it's 100% always no HP.
and if approved you can still cancel out of checking out and not buy anything, you will still get the card.

Do you know if you apply at the Store in person, would these be HPs as well? I tried to follow the VS advice online but when I went to the check out I didn't see any window pop-up with a 'pre-approval' link ... do you think it was because of the browser?

Re: Store Cards - APPROVED!

Anonymous — Mon, 14 May 2012 22:31:12 GMT

Not the original poster BUT,

I applied for Victoria Secret, New York and Company, Maurices, Ann Taylor Loft and Lane Bryant.

Maurices and New York and company I appled for online, no hard pull at all.

Ann taylor loft I applied online but had a hard pull.

Victoria Secret and Lane Bryant I applied in store and had hard pulls.

I never got the "sign up for a credit card offer" thing when using the online shopping cart, but, about 10 years ago I'd had accounts with Maurices and NY and CO which closed for inactivity in good standing. I think that's the other way you can get around a hard pull is by applying for one you've already had.

The ones I applied for in store both had higher starting limits.

I'm tempted to try another couple WFNNB since my credit reports are frozen anyways using the shopping cart method.

Re: Store Cards - APPROVED!

2NE1 — Mon, 14 May 2012 22:37:18 GMT

@JenniferinFL

Thanks for the reply!

Re: Store Cards - APPROVED!

Brian_Trying_700 — Mon, 14 May 2012 23:12:38 GMT

So. Some got hard pulls and other here got a soft. Ummmm.

Re: Store Cards - APPROVED!

Anonymous — Fri, 23 Nov 2012 07:33:54 GMT

What is the shopping cart trick? Iv'e tried to put stuff in the cart and went all the way to checkout but nothing is popping up. Does that mean I dont qualify?

Re: Store Cards - APPROVED!

Anonymous — Fri, 23 Nov 2012 08:19:12 GMT

@Anonymous wrote:
What is the shopping cart trick? Iv'e tried to put stuff in the cart and went all the way to checkout but nothing is popping up. Does that mean I dont qualify?

With your scores I wouldnt try. The alleged shopping cart trick sometimes works for the intention on getting a possible higher limit

Re: Store Cards - APPROVED!

Anonymous — Fri, 23 Nov 2012 17:24:43 GMT

Congrats

Re: Store Cards - APPROVED!

Repo-ed — Fri, 23 Nov 2012 19:11:20 GMT

im going with fluke on the no HP

Re: Store Cards - APPROVED!

Anonymous — Mon, 03 Dec 2012 23:10:11 GMT

not a fluke. I was able to do this with VS Angel Card. They only ask for the last 4 of your soc. Not the whole thing. Which would obviously prevent them from being able to do a hard pull. The only information that they have is the last 4, your address and your name.

Re: Store Cards - APPROVED!

Anonymous — Tue, 04 Dec 2012 00:06:24 GMT

@Anonymous wrote:
not a fluke. I was able to do this with VS Angel Card. They only ask for the last 4 of your soc. Not the whole thing. Which would obviously prevent them from being able to do a hard pull. The only information that they have is the last 4, your address and your name.

It's pretty much like going to Capital One/American Express site and putting in the info to see if you're pre-approved for any of their products.

Re: Store Cards - APPROVED!

Rhaeny — Tue, 04 Dec 2012 00:10:21 GMT

A great majority of Commenity (formerly WFFN) cards do the shopping cart trick. It is very real and there is no HP!

I have Victoria Secret, Woman Within, The Avenue and Catherines all using the shopping cart trick. Once you put something in your bag and go to check out, if you are pre-approved then you will see a pop-up box. It asks for the last 4 or 5 digits of your SS# and it does an instant approval.

If you have to put in all of your information (i.e Name, address, full SS#) then this is going to be an HP. Also you must be opted in to get the offers. As a side note, I tried this for weeks before I finally got the offers. I did crazy stuff like clearing my browsing history and cache thinking that this would help. I don't know whether it helped or not but I got all of those offers the same day.

So the shopping cart trick DOES work.

Re: Store Cards - APPROVED!

Anonymous — Thu, 21 Feb 2013 16:04:06 GMT

I've gotten approved for three in the last month with no hard pull. Onestopplus, Express and Victorias Secret But it was tricky at times. I even had an email account and had bought things from Express but had never gotten the pop up. I realized that the credit card I was using was on a business account at a different address. Once I changed it to my home, the next time I got the pop up.

I also tried on different browers. Firefox seemed to work best. Always clear your cookies in your preferences before you try it and make sure you do not have your pop ups blocked. I've never had a hard pull but did notice that I got a soft each time on Equifax which is strange because I thought they pulled Experian. I have a Chapter 13 from 2006 on Equifax.

I have monitoring with experian but can't figure out where to see the soft pulls on there - only the hard. Does anyone know where to find that?