topic Re: Wayfair shopping cart trick approval in Credit Card Approvals

Wayfair shopping cart trick approval

Hockeypnc1 — Mon, 11 Mar 2019 02:31:49 GMT

Added a 2-person sauna to my cart... I really do want one someday!

Got the popup for the Wayfair card, approved for $2,000.

Don't plan to use it, just want to pad my utilization rate.

Right now overall utilization rate on all cards is 11% because I have a ton of 0 balance Comenity and Synchrony cards.

My 3 major cards are:

Discover-- $675 out of $2200

UW Credit Union Visa--$740 out of $1500

DCU Credit Union--$0 out of $3000

Re: Wayfair shopping cart trick approval

Anonymous — Mon, 11 Mar 2019 02:39:02 GMT

Congrats on approval! Was this a hard pull and from which burea? Also what were your scores if you don't mind providing.

Re: Wayfair shopping cart trick approval

Hockeypnc1 — Mon, 11 Mar 2019 02:43:50 GMT

Thanks for asking!

It seems like it was a soft inquiry because I was only required to put in the last four of my social security number.

Scores:

Transunion: 639 (FICO 8, provided by Discover, as of 2-17-19)

Equifax: 631 (FAKO, provided by Creditkarma, as of 3-10-19)

Experian: 634 (FICO 8, provided by Experian free app, as of 3-10-19)

Re: Wayfair shopping cart trick approval

Anonymous — Mon, 11 Mar 2019 02:45:41 GMT

Sweet! I've read to expect an HP but may still potentially be SP so I wondered at my chances if I try to get one in the near future. That helps for sure.

Re: Wayfair shopping cart trick approval

Hockeypnc1 — Mon, 11 Mar 2019 02:48:10 GMT

It's only been a couple hours since my approval if I get an alert of an inquiry in the next couple of days I will update!

Re: Wayfair shopping cart trick approval

Anonymous — Mon, 11 Mar 2019 03:04:18 GMT

I'm sure the UPS driver would love to deliver that fully assembled.

Re: Wayfair shopping cart trick approval

Hockeypnc1 — Mon, 11 Mar 2019 03:14:54 GMT

LOL, I wonder how big the box will be.
It says it offers delivery to the door!

Re: Wayfair shopping cart trick approval

Anonymous — Mon, 11 Mar 2019 03:19:56 GMT

Nice congrats on a successful SCT!

What are your scores?

Re: Wayfair shopping cart trick approval

Hockeypnc1 — Mon, 11 Mar 2019 03:37:20 GMT

Scores should be above

Re: Wayfair shopping cart trick approval

Anonymous — Mon, 11 Mar 2019 03:56:17 GMT

@Hockeypnc1 wrote:
Scores should be above

ah, thanks so much I'm starting to grasp an idea of what they're looking for lol

Re: Wayfair shopping cart trick approval

Marz2002 — Mon, 11 Mar 2019 04:43:41 GMT

YOU...

CONGRATS on the Approval and the Very Nice SL!!!

Re: Wayfair shopping cart trick approval

Anonymous — Mon, 11 Mar 2019 06:03:27 GMT

Congrats on your approval !!!

Re: Wayfair shopping cart trick approval

800FICOGoal — Mon, 11 Mar 2019 06:39:13 GMT

Congrats. It would be nice if no HP shows up on your report.

Re: Wayfair shopping cart trick approval

Omw800 — Wed, 13 Mar 2019 18:58:45 GMT

Some hard pulls may not show up for up to 90 days However, ALL Shopping cart tricks are hard pulls once you accept the pre approved offer. Soft pulls are initiated by the company once you fill out the purchase /order form.