topic Re: Shopping Cart Trick...help? in Credit Card Applications

Shopping Cart Trick...help?

Anonymous — Mon, 06 Mar 2017 14:32:35 GMT

I've seen people trying the shopping cart trick, especially for the Comenity cards. I've tried to trip it on a few different sites, but haven't gotten lucky. I'd love either a VS or an Overstock with that soft pull...any special ways to get it to pop up?

Re: Shopping Cart Trick...help?

Anonymous — Mon, 06 Mar 2017 17:24:58 GMT

@Anonymous wrote:
I've seen people trying the shopping cart trick, especially for the Comenity cards. I've tried to trip it on a few different sites, but haven't gotten lucky. I'd love either a VS or an Overstock with that soft pull...any special ways to get it to pop up?

The information needs to be entered exactly as it is on your credit reports; also your score might need to be a bit higher. I would proceed cautiously with Comenity Bank. The SCT has been known to backfire if you try to get too many accounts that way.

Re: Shopping Cart Trick...help?

Anonymous — Mon, 06 Mar 2017 20:55:15 GMT

I read on here often about how the SCT backfires, but I have never read any explanation of how. I'm not doubting it. I just wonder how. I'm sure others are fairly new like me and wonder since that statement is posted so often. Obviously a person doesn't need to do it just to get cards, but I don't see how it hurts if it's something you can use.

Re: Shopping Cart Trick...help?

nupey10 — Mon, 06 Mar 2017 22:38:52 GMT

As you have probably read on the forums, clear out your browers history, cookies, etc. each time you apply. I even restarted after each time. It finally came up after a few days for Wayfair and I got an email from Overstock and Jcrew and a usps from Sportsman. Keep trying

Re: Shopping Cart Trick...help?

EAJuggalo — Tue, 07 Mar 2017 02:51:56 GMT

@Anonymous wrote:
I read on here often about how the SCT backfires, but I have never read any explanation of how. I'm not doubting it. I just wonder how. I'm sure others are fairly new like me and wonder since that statement is posted so often. Obviously a person doesn't need to do it just to get cards, but I don't see how it hurts if it's something you can use.

The problem a lot of people run into is that it isn't just the ones they can use that they take. Quite a few people have gotten the first one someplace they can use and then start looking for them to keep feeling that rush of approval. Then they end up with a bunch of cards they aren't going to use and can't get cards from the banks that would really be useful to them. It can also raise your insurance rates, when the insurance companies look at your CR they start taking points off for every store card you have over either one or two.

Re: Shopping Cart Trick...help?

Anonymous — Tue, 07 Mar 2017 04:05:08 GMT

I got J Crew, Express and Pottery Barn, Victoria Secret to pop up by putting something in shopping cart and checking out as guest. I didn't accept Victoria Secret as I have no need for it. Overstock would not pop up for me so for giggles I changed my first name to my wifes first name and it popped up which I declined as well. I am guessing if you don't meet their criteria you aren't going to get the pop-up.

Re: Shopping Cart Trick...help?

Anonymous — Tue, 07 Mar 2017 04:22:57 GMT

@Anonymous wrote:
I read on here often about how the SCT backfires, but I have never read any explanation of how. I'm not doubting it. I just wonder how. I'm sure others are fairly new like me and wonder since that statement is posted so often. Obviously a person doesn't need to do it just to get cards, but I don't see how it hurts if it's something you can use.

Because many will get addicted to the thrill of the approval and won't stop........multiple Sct cards with low limits just because of the thrill that they will close once their profile supports. At times they will get shut down because of a ton of approvals in a short time frame. Or the worse fate imo.....low limit hades (I was there a long time ago, not fun with most of your cards at $500 or less).

Im in favor of moderation...if you MUST get a Sct cc, only get one to help you establish revolving credit. Then focus on cards that can help you build a SOLID foundation vs cards you will close or they will close with in a year.

Re: Shopping Cart Trick...help?

Anonymous — Tue, 07 Mar 2017 09:09:38 GMT

My opinion, and this comes from not listening to this and getting tons of store cards when I had bad credit......

Anyone with scores under 600 should get 3 Store cards MAX-probably only 1 or 2.....and only at stores you shop at, and only cards you truly want when you have good scores and are getting prime cards. Ask if you will use the VS or Overstock card once you have Discover and Amex? If not, don't apply. You will regret it if you can't answer yes to that question.

Re: Shopping Cart Trick...help?

Anonymous — Sun, 12 Mar 2017 06:41:07 GMT

@Anonymous wrote:
I've seen people trying the shopping cart trick, especially for the Comenity cards. I've tried to trip it on a few different sites, but haven't gotten lucky. I'd love either a VS or an Overstock with that soft pull...any special ways to get it to pop up?

I'll share my techniques with you. I used it successfully several times when my scores were in the 625 ranges.

I used a different browser than my usual one, like Firefox. I used the 'Private' or 'Incognito' mode.

I added thing(s) to the shopping cart that I genuinely wanted. Some people have a theory that if you add lots of things to the cart, you'll get a larger starting line. I didnt test this, I usually put in 50 to 100.

I would type slowly as I checked out as a guest. The contact information you input has to match what is in your CR with the bureaus. You cant be in the 'opt out' mode with the CBs.

I would use the tab key to move between fields when checking out, and if it asked if I wanted to sign up for emails, I did.

If it didnt give me a pop up with credit card info, I would use the 'X" at the top of the browser and just abandon the cart. I didnt check again for at least a week.

I have read that others have loaded up the shopping carts with hundreds of dollars of merchandise and then after being approved, deleted everything before checking out. I always purchased something if they gave me a card.

I used the SCT to get Overstock, Sportsmans Guide Visa, and Modell Visa. I got one INQ from Modell's on EQ, the others were both SPs. My lowest SL was 2k, highest was 4.5k. I still have all three cards.

HTH

Re: Shopping Cart Trick...help?

Anonymous — Sat, 20 May 2017 19:14:02 GMT

unless you use that account a lot you shouldn't get it just because it pops up...it ruins your credit. all those silly store cards look bad.

Re: Shopping Cart Trick...help?

Anonymous — Sat, 20 May 2017 23:57:39 GMT

I've only tried the SCT 3 times and was given an offer all three times ... J Crew (1k), VS (350.00), Williams Sonoma (they decide if you qualify for either a store card or a visa ... I was approved for the Visa with 2k CL).

My technique was to use an incognito browser, add around 100.00 of stuff to the cart, checkout at 'guest', and fill out checkout forms with information consistent with my credit reports. On the last page of checkout (payment page) I got the pop up asking for further info. I accepted the J Crew and WS offers (not the VS offer) ... and then didn't continue checkout from that point. Within 8-10 days later I received the cards.

Note re: Williams Somona SCT ... they ask for full social security number but you can submit the form only putting in the last 4 digits (as some sites on the web suggest doing). Be warned, they will still do a hard pull even if you only input last 4 digits.

Re: Shopping Cart Trick...help?

CountryLivin — Sun, 21 May 2017 11:54:35 GMT

@Anonymous wrote:

Note re: Williams Somona SCT ... they ask for full social security number but you can submit the form only putting in the last 4 digits (as some sites on the web suggest doing). Be warned, they will still do a hard pull even if you only input last 4 digits.

They do a hard pull, but only if you are offered a visa. They don't hard pull for the store card.

Re: Shopping Cart Trick...help?

Anonymous — Sun, 21 May 2017 12:41:04 GMT

I tried the SCT with Overstock no hard pull and Sportsman guide Visa and no hard pull....Gander Mountain Mastercard was a hard pull even if it says pre-approved like me....

Re: Shopping Cart Trick...help?

Anonymous — Sun, 21 May 2017 13:54:18 GMT

I got an Overstock store card last night and the SL (as I've been told) is pretty spectacular for a SP - $4000. I think the ding to my AAoA will be pretty well offset by the dramatic skyrocket in my total revolving credit and available credit! My path was a little differeht, because I got a preapproval offer in my email on Thursday. I had to think about for it for a couple of days and solicit some people's advice, but I'm glad I did it now and now I'm going right back into the garden to nurture this fine new seedling along with my other accounts until I'm ready to go Visa-hunting in the fall.

I do concur with other people regarding the dangers of applying for too many cards with the SCT, and I'm amazed it hasn't been curtailed or outright shut down yet because of all the trouble people have run into from getting too enthusiastic about using it.. I would only apply for a very few cards - Paypal Credit is the only other Comenity card I'm really interested in, and I'm going to be watching to see if they send me a preapproved offer for that too - from stores that you expect to buy things from regularly, and then follow all the other rules about proper credit management.

Re: Shopping Cart Trick...help?

Anonymous — Sun, 21 May 2017 15:04:00 GMT

I just a Got a Barclays cash forward card last month so I have to be super careful so no more accepting any store cards ect....they will cancel or lower you CL by a lot for even breathing wrong.

Re: Shopping Cart Trick...help?

Anonymous — Sun, 21 May 2017 15:08:42 GMT

For VS I cleared browser, put around 50$ in my cart, proceeded as guest, entered the exact address I had on CR and the pop up happened. I was able to do the exact same steps and get my mother one too. VS was easier.

For Wayfair, I had to go incognito add a large furniture item, go through checkout process, start to enter credit card # then it popped up. It took a week though.

For Overstock (I personally declined, did this one for my mom after I figured out how it worked). You should create an account and use the address on your CR, go shopping add about 100$ to cart, sign in and then it will pop up once you confirm prepopulated address information.

When I started to get credit back in January my scores were in the lower 600's [620-630] from being on a auto loan my parents consigned on so I'm not sure if you need lower 600's to get it to pop up or not. I was lucky with sequence of apps I did back then added my store cards last so I was able to get other cards without repercussions of having a lot of store cards in my profile.

I think that backfiring comes mostly from two scenarios getting store cards 2+ and then a Visa card from the same bank (Comenity/Synchrony) and/or applying for 2+ cards and getting approved for other cards accruing inquires then applying for another store card or Visa which has them SP again drawing attention to the new inquires.

Just speculation from the threads I've read and of course it's not for all cases but those situations seem to heavily trigger the AA/blue envelope.

Re: Shopping Cart Trick...help?

Anonymous — Sun, 21 May 2017 16:23:35 GMT

@Anonymous wrote:
For VS I cleared browser, put around 50$ in my cart, proceeded as guest, entered the exact address I had on CR and the pop up happened. I was able to do the exact same steps and get my mother one too. VS was easier.

For Wayfair, I had to go incognito add a large furniture item, go through checkout process, start to enter credit card # then it popped up. It took a week though.

For Overstock (I personally declined, did this one for my mom after I figured out how it worked). You should create an account and use the address on your CR, go shopping add about 100$ to cart, sign in and then it will pop up once you confirm prepopulated address information.

When I started to get credit back in January my scores were in the lower 600's [620-630] from being on a auto loan my parents consigned on so I'm not sure if you need lower 600's to get it to pop up or not. I was lucky with sequence of apps I did back then added my store cards last so I was able to get other cards without repercussions of having a lot of store cards in my profile.

I think that backfiring comes mostly from two scenarios getting store cards 2+ and then a Visa card from the same bank (Comenity/Synchrony) and/or applying for 2+ cards and getting approved for other cards accruing inquires then applying for another store card or Visa which has them SP again drawing attention to the new inquires.

Just speculation from the threads I've read and of course it's not for all cases but those situations seem to heavily trigger the AA/blue envelope.

+1. Also, applying for those cards within too short a timespan will raise the likelihood of something being triggered. This is one reason that I've tried to put as much space between my card apps since last November as possible. I think a lot of us will also agree that it's less than ideal to put too many of your credit-portfolio eggs in one basket; I personally would be cautious about getting more than 2 or 3 cards from any one issuer, depending on what they offered.

Re: Shopping Cart Trick...help?

Anonymous — Sat, 08 Jul 2017 00:38:40 GMT

Not true. I got both the sportsman visa and total rewards visa....both through sct over 3 months ago and neither did a hard pull on my credit.

Re: Shopping Cart Trick...help?

Anonymous — Sat, 08 Jul 2017 01:45:49 GMT

Total rewards is hit or miss....I know alot of people that had a hard pull and a lot of people they did a soft pull.

Re: Shopping Cart Trick...help?

peghede — Sat, 08 Jul 2017 01:51:16 GMT

how u trigger the total rewards ? im not getting it just for fun to see the offer.lol