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    <title>topic Re: SCT - Shopping cart trick in Credit Card Approvals</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4340642#M353850</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/550121"&gt;@LadyJEsq&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;In the long run theyre not that great. The idea is to have another building tool. In 6 months whatever accounts you got should have increases, score bump and history-- qualifying for the better retail Cards from synchrony, and prime Cards from whomever you choose.&lt;BR /&gt;&lt;BR /&gt;Everyone story is different some thin file people get slammed with a wonderful $5,000 limit from Chase Freedom right out of the gate and other people only get a $1,000 limit Ive had to play this rebuilding game with other banks there are inferior&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Fordguy89. &amp;nbsp;You are insightful, really. &amp;nbsp;In the long run the SCT are not that great. I opened many during the rebuilding stage of my credit in July and now they are just annoying small limit cards with very high APR. &lt;STRONG&gt;&amp;nbsp;I have a few of the Visa cards, Sportsman, Modell MVP and Total Rewards. &amp;nbsp;I don't shop at Sprtsman or Modell, so their perks have no value.&lt;/STRONG&gt; &amp;nbsp;The interest rate is high and really no benefits like the prime lenders, &amp;nbsp;0% APR intro offer, Bal Tranfer, offer, cash or travel rewards. &amp;nbsp;I have ALL of them paid off and will wait till January (6 month window) and see how this enhances my credit score. &amp;nbsp;But definitely 2016, getting most Comenity cards off of my active credit &amp;nbsp;list. &amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I do understand the need to start somewhere and Comenity cards are easy to get, but &lt;STRONG&gt;do some research to make sure they work for you! &amp;nbsp;I wish I knew then what I know now&lt;/STRONG&gt;, lol!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;And therein lies the problem, people just apply/accept "store" cards without doing any research, and then realize later that they didn't have a use for a particular card, so therefore the SCT is a bad thing. Sorry to say, but, that's some pretty&amp;nbsp;interesting reasoning. Before you denounce the SCT, I would do what you said you should've done, and that's a little research. Just because you received "small" limits with "high" APR, doesn't mean that everyone will. But, I'm sure you won't even bother, the OP here has already shown that it's possible to get nice limits on "store" cards (as well as many others, like the Carson's card can go as high as 30k, but I digress) and because most of these cards are rewards cards, you don't want to carry a balance because that would negate your rewards, so the APR means nothing (I'm ignoring the fact that some "store" cards offer APRs at least as low as 14.9%, which is inline with prime lenders).&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;What may work for some may not work for others. &amp;nbsp;I am not judging anyone who utilizes the SCT, how can I, I have many, but if I have a change of heart, then it's my prerogative. Many people post that they close accounts that I would love to have, but I don't attack them or insinuate that they are turning their nose up at me because I may desire one of those cards. &amp;nbsp;&lt;/P&gt;&lt;P&gt;The SCT standards are pretty much the same for everyone, perhaps a few exceptions, but not many. &amp;nbsp;Granted limits may vary some, but I guarantee that you will not&amp;nbsp;get a SL with VS for 2K, 😂😂. &amp;nbsp; &amp;nbsp;When I apped for SCT it was because they were easiest credit cards to acquire, it helped me establish credit, but now I tend to be more thoughtful in the application process. &amp;nbsp; Congrats to everyone who gets approved for the cards that they seek! &amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Sun, 22 Nov 2015 02:09:23 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2015-11-22T02:09:23Z</dc:date>
    <item>
      <title>SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029806#M270909</link>
      <description>&lt;P&gt;Updated second time....:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Just got in via SCT:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Overstock - 7000&lt;/P&gt;&lt;P&gt;Victoria Secret - 500&lt;/P&gt;&lt;P&gt;Sportsman's Guide Visa &amp;nbsp;- 7000&lt;/P&gt;&lt;P&gt;JCrew - 500 + luv button = 1000&lt;/P&gt;&lt;P&gt;Virgin Airline Visa Signature - 6500&lt;/P&gt;&lt;P&gt;NY&amp;amp;C - 500&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;So it could be usefull for you guys !!!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Not a single HP !!!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Update #3: (11/22/2015)&lt;/P&gt;&lt;P&gt;So 180 days have passed&lt;/P&gt;&lt;P&gt;Overstock - 8200&lt;BR /&gt;Jcrew - 3250&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;;-)&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 22 Nov 2015 18:48:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029806#M270909</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-11-22T18:48:10Z</dc:date>
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    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029852#M270921</link>
      <description>&lt;P&gt;Nice limit on the Overstock.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Getting a VISA on a SP, doesn't get better than that &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 15:30:46 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029852#M270921</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T15:30:46Z</dc:date>
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    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029854#M270923</link>
      <description>&lt;P&gt;Congrats! &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 15:32:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029854#M270923</guid>
      <dc:creator>I-think-I-can</dc:creator>
      <dc:date>2015-05-25T15:32:55Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029918#M270955</link>
      <description>Congrats.</description>
      <pubDate>Mon, 25 May 2015 16:04:33 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4029918#M270955</guid>
      <dc:creator>revjamesl</dc:creator>
      <dc:date>2015-05-25T16:04:33Z</dc:date>
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    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030240#M271074</link>
      <description>&lt;P&gt;&lt;FONT face="comic sans ms,sans-serif"&gt;&lt;EM&gt;Congrats&lt;/EM&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 18:28:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030240#M271074</guid>
      <dc:creator>alextercero</dc:creator>
      <dc:date>2015-05-25T18:28:28Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030261#M271083</link>
      <description>&lt;P&gt;Shopping Cart trick??? &amp;nbsp;Can you explain what this is?&lt;BR /&gt;Thanks!&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 18:42:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030261#M271083</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T18:42:14Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030264#M271085</link>
      <description>It is product by Comenity bank. You add something expensive to the shopping cart, enter name and address. Bam, you get "pre-approved" message. Please google "doctorofcredit shopping cart trick". He nailed it.</description>
      <pubDate>Mon, 25 May 2015 18:46:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030264#M271085</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T18:46:31Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030273#M271086</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;FONT color="#0000FF"&gt;It is product by Comenity bank&lt;/FONT&gt;. You add something expensive to the shopping cart, enter name and address. Bam, you get "pre-approved" message. Please google "doctorofcredit shopping cart trick". He nailed it.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;The shopping card trick is NOT a product. Just a way to get a Comenity store card with a soft pull as you describe-&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 18:52:04 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030273#M271086</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T18:52:04Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030274#M271087</link>
      <description>&lt;P&gt;&lt;FONT face="comic sans ms,sans-serif"&gt;Congrats on the approvals. &lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT face="comic sans ms,sans-serif"&gt;The shopping cart trick&amp;nbsp;worked for me on the&amp;nbsp;Sportsman's Guide Visa and also the Total Rewards Visa and the My Points Visa. So, maybe you'll have luck with those as well.&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 18:53:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030274#M271087</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T18:53:21Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030294#M271096</link>
      <description>&lt;P&gt;If u call sportsman guide visa they will tell u limit u were approved for I got mine month &amp;nbsp;ago I called and asked them limit so give them a call&lt;/P&gt;&lt;P&gt;so u don't have to wait til u get the card&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 19:06:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030294#M271096</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-25T19:06:54Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030409#M271107</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;Just got in via SCT:&lt;/P&gt;&lt;P&gt;Overstock - 7000&lt;/P&gt;&lt;P&gt;VS - 500&lt;/P&gt;&lt;P&gt;Sportsman's Guide Visa &amp;nbsp;- Unknown limit.... But I was approved.....&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;So it could be usefull for you guys !!!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Congrats. You can setup all three of these accounts online right now, and ask for CLI's immediately.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 20:19:48 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030409#M271107</guid>
      <dc:creator>DeeBee78</dc:creator>
      <dc:date>2015-05-25T20:19:48Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030437#M271109</link>
      <description>&lt;P&gt;Congratulations on your success!&lt;/P&gt;</description>
      <pubDate>Mon, 25 May 2015 20:40:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030437#M271109</guid>
      <dc:creator>App_Addict</dc:creator>
      <dc:date>2015-05-25T20:40:14Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030946#M271283</link>
      <description>&lt;P&gt;Also, J.CREW - was $750 )))&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Not bad.... )))&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Almost 90K spree over 1 month )))&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 00:59:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4030946#M271283</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T00:59:31Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031411#M271373</link>
      <description>Will the SCT work on android smartphones? Thanks</description>
      <pubDate>Tue, 26 May 2015 04:44:19 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031411#M271373</guid>
      <dc:creator>ewrcjt</dc:creator>
      <dc:date>2015-05-26T04:44:19Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031469#M271382</link>
      <description>&lt;P&gt;Don't do what I did and try CLI after approvals. They hard pull those.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Android might work if you make sure you are always in view as desktop page mode. Everytime you open a new window ,or ones opened you have to babysit it and check the ok box again, so slimmer chances that way.&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 05:46:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031469#M271382</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T05:46:43Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031472#M271384</link>
      <description>&lt;P&gt;Whoo Hoo! &amp;nbsp;Congrats on all! &amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt; &amp;nbsp;7k for Overstock!&amp;nbsp;&lt;img id="smileysurprised" class="emoticon emoticon-smileysurprised" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-surprised.gif" alt="Smiley Surprised" title="Smiley Surprised" /&gt;&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 05:49:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031472#M271384</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T05:49:20Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031492#M271407</link>
      <description>&lt;P&gt;I wanted a j crew because members here say the CLI jumps way higher over other commenities, but alas, I had already applied for 3 in 3 weeks.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Is there a thread about within the commenities which ones are more LUVing? I think its worth discussion.&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 06:09:06 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031492#M271407</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T06:09:06Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031669#M271457</link>
      <description>Thanks fordguy89. I'll ll try the SCT with my computer just to be on the safe side.</description>
      <pubDate>Tue, 26 May 2015 13:07:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031669#M271457</guid>
      <dc:creator>ewrcjt</dc:creator>
      <dc:date>2015-05-26T13:07:27Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031801#M271486</link>
      <description>&lt;P&gt;What worked for me, was putting a sportsmans membership in my shopping cart as a Guest&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 14:40:36 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031801#M271486</guid>
      <dc:creator>Jerry45</dc:creator>
      <dc:date>2015-05-26T14:40:36Z</dc:date>
    </item>
    <item>
      <title>Re: SCT - Shopping cart trick</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031907#M271524</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/759147"&gt;@Jerry45&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;What worked for me, was putting a sportsmans membership in my shopping cart as a Guest&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;This is a good point. I had tried the SCT on Sportsman's Guide multiple times and never got the popup. Then I tried it by adding the membership to my cart in addition to other items and, presto! Got it.&lt;/P&gt;</description>
      <pubDate>Tue, 26 May 2015 16:01:09 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SCT-Shopping-cart-trick/m-p/4031907#M271524</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-05-26T16:01:09Z</dc:date>
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