topic Re: Tried the Sportsman Guide Shopping Cart Trick in Credit Card Applications

Tried the Sportsman Guide Shopping Cart Trick

Anonymous — Sat, 24 Jan 2015 17:46:40 GMT

Hi everyone.

Tried the trick and got the pop-up. I entered my last 4 SS digits, etc. and received this exact message:

"Thank you!

Your application is being processed by Comenity Bank.

You will still receive your 2.5 percent discount on this order. You will receive notification by mail within 10 days regarding your application.

Please use another credit card for this order."

I'm guessing that this is not good news, right? Isn't an approval instant using this trick?

Just some background about my credit...

I screwed up my credit many years ago when I was young. Just started to rebuild August 2014 with a secured card from BofA ($1500 limit). Went in kind of blindly, not knowing my scores whatsoever. I've been using the card about $200 monthly on average and PIF every time. My car was recently totaled so I needed a new one. Finally checked my FICO scores (EX 735, EQ 686, TU 587) and applied at a CU (who pulled my best report, EX) right before Christmas and was offered a loan at 9%. Due to an issue with income verification, I didn't finalize the process. Got an offer in the mail from AMEX and was approved last week for an AMEX Everyday ($2000 limit, card is currently on its way). Really needed a car (car pooling and borrowing relatives' cars is no fun) so I decided to just apply for an auto loan from my bank, BofA, since I've been with them for over a decade and have my secured Visa with them in good standing. I was approved a couple days ago for 3.1% interest. Was messing around, reading the forum and decided to try the shopping cart trick and got the pop-up and figured a SP would be ok. And that brings us back to... waiting 10 days for a likely denial.

Anyone get that message but get an approval in the mail? *crosses fingers*

Re: Tried the Sportsman Guide Shopping Cart Trick

TheGardner — Sat, 24 Jan 2015 18:14:54 GMT

Might be identity verification.

Re: Tried the Sportsman Guide Shopping Cart Trick

kdm31091 — Sat, 24 Jan 2015 21:03:41 GMT

Well, the shopping card trick, like any "preapproval" is never going to be 100%.

Re: Tried the Sportsman Guide Shopping Cart Trick

Kirmie2010 — Sat, 24 Jan 2015 23:26:01 GMT

I got a pre approval for Victoria Secret, filled it out and got the 7-10 day message. They called asking me 3 security questions like you answer to see your credit reports and then said I was approved, probably identitify verification as other poster said.

Not saying youll get it, but you probably will. (I had to do it just on VS my first Comenity card, not any of the other Comenity cards after VS)

Good luck!

Re: Tried the Sportsman Guide Shopping Cart Trick

Anonymous — Sun, 25 Jan 2015 06:18:03 GMT

@Anonymous wrote:
Hi everyone.

Tried the trick and got the pop-up. I entered my last 4 SS digits, etc. and received this exact message:

"Thank you!

Your application is being processed by Comenity Bank.

You will still receive your 2.5 percent discount on this order. You will receive notification by mail within 10 days regarding your application.

Please use another credit card for this order."

I'm guessing that this is not good news, right? Isn't an approval instant using this trick?

Just some background about my credit...

I screwed up my credit many years ago when I was young. Just started to rebuild August 2014 with a secured card from BofA ($1500 limit). Went in kind of blindly, not knowing my scores whatsoever. I've been using the card about $200 monthly on average and PIF every time. My car was recently totaled so I needed a new one. Finally checked my FICO scores (EX 735, EQ 686, TU 587) and applied at a CU (who pulled my best report, EX) right before Christmas and was offered a loan at 9%. Due to an issue with income verification, I didn't finalize the process. Got an offer in the mail from AMEX and was approved last week for an AMEX Everyday ($2000 limit, card is currently on its way). Really needed a car (car pooling and borrowing relatives' cars is no fun) so I decided to just apply for an auto loan from my bank, BofA, since I've been with them for over a decade and have my secured Visa with them in good standing. I was approved a couple days ago for 3.1% interest. Was messing around, reading the forum and decided to try the shopping cart trick and got the pop-up and figured a SP would be ok. And that brings us back to... waiting 10 days for a likely denial.

Anyone get that message but get an approval in the mail? *crosses fingers*

This sounds like a decline. However, why offer the discount? Could be a verification issue. Good luck to you.

Re: Tried the Sportsman Guide Shopping Cart Trick

joedtx — Sun, 25 Jan 2015 06:35:50 GMT

Sound more like verification, good luck.

Re: Tried the Sportsman Guide Shopping Cart Trick

Anonymous — Sun, 25 Jan 2015 07:48:34 GMT

Thanks everyone. Hopefully it's just the identity verification. Guess I'll just have to wait the remainder of the 10 days to see. I'll update when I get the letter.

In the meantime, should I avoid other Comenity offers until this gets resolved, in case it is an identity verification issue?

At least I got my amex card today.

Re: Tried the Sportsman Guide Shopping Cart Trick

money28 — Sun, 25 Jan 2015 16:26:48 GMT

@Anonymous wrote:
Thanks everyone. Hopefully it's just the identity verification. Guess I'll just have to wait the remainder of the 10 days to see. I'll update when I get the letter.

In the meantime, should I avoid other Comenity offers until this gets resolved, in case it is an identity verification issue?

At least I got my amex card today.

I would call their protection team.

Re: Tried the Sportsman Guide Shopping Cart Trick

Jerry45 — Mon, 26 Jan 2015 22:59:55 GMT

Sounds like Verification to me, especially since you were approved for Amex already. Sometime Comenity sees your old address as your primary.

Re: Tried the Sportsman Guide Shopping Cart Trick

Anonymous — Wed, 04 Feb 2015 01:52:00 GMT

I finally got the letter from Comenity today.

I was declined.

Apparently, the "name, address, or Social Security Number" I provided was different from the information they used in the pre-approval offer. I don't get how that could be but oh well.

Re: Tried the Sportsman Guide Shopping Cart Trick

App_Addict — Wed, 04 Feb 2015 02:13:33 GMT

@Anonymous wrote:
I finally got the letter from Comenity today.

I was declined.

Apparently, the "name, address, or Social Security Number" I provided was different from the information they used in the pre-approval offer. I don't get how that could be but oh well.

BUMMER! That would suck to get your hopes up and then BAM!

Re: Tried the Sportsman Guide Shopping Cart Trick

Anonymous — Wed, 04 Feb 2015 02:22:08 GMT

Yeah, really disappointing. I was hoping for some good news about simply needing to verify identity. Don't get how the info was different from the pre-approval since I was very careful filling it all out.

Re: Tried the Sportsman Guide Shopping Cart Trick

App_Addict — Wed, 04 Feb 2015 02:36:11 GMT

Sadly you do not hear of that happening very often. I had it happen to DW and a short time later it popped up again and that time she was approved, so don't give up!

Re: Tried the Sportsman Guide Shopping Cart Trick

Anonymous — Wed, 04 Feb 2015 02:52:41 GMT

Thanks. I'll keep trying from time to time. At least it was a soft pull, so there's that.

Re: Tried the Sportsman Guide Shopping Cart Trick

App_Addict — Wed, 04 Feb 2015 03:11:58 GMT

@Anonymous wrote:
Thanks. I'll keep trying from time to time. At least it was a soft pull, so there's that.

That's the spirit!

Re: Tried the Sportsman Guide Shopping Cart Trick

Anonymous — Wed, 04 Feb 2015 03:28:59 GMT

Reading the other person's thread, I decided to try Overstock. Same thing over there. Lol.

Pre-approval pop-up, information submitted, then a message about getting a letter within 10 days. Damn, lol.

Re: Tried the Sportsman Guide Shopping Cart Trick

App_Addict — Wed, 04 Feb 2015 03:52:38 GMT

@Anonymous wrote:
Reading the other person's thread, I decided to try Overstock. Same thing over there. Lol.

Pre-approval pop-up, information submitted, then a message about getting a letter within 10 days. Damn, lol.

WOW...Give them a call, something is not right!

Re: Tried the Sportsman Guide Shopping Cart Trick

Anonymous — Wed, 04 Feb 2015 04:24:58 GMT

I'll try calling them tomorrow.

Re: Tried the Sportsman Guide Shopping Cart Trick

Anonymous — Tue, 17 Feb 2015 07:51:06 GMT

@Anonymous wrote:
I'll try calling them tomorrow.

Any luck with them? I also applied for JCrew but got the 7-10 day message

Re: Tried the Sportsman Guide Shopping Cart Trick

kdm31091 — Tue, 17 Feb 2015 13:40:25 GMT

The shopping cart trick like anything else isn't foolproof. You are not going to get approved 100% of the time just because of the pop up. It sucks because of it being something stupid, but sometimes it just doesn't work out.