topic Re: Shopping Cart Trick in Credit Card Applications

Shopping Cart Trick

gtnitright — Thu, 27 Apr 2017 17:00:29 GMT

When using the shopping cart trick do you have to enter your credit card information and submit before you get the Congratulatory message. I've tried the SCT with Williams Sonoma and it's not working.

Re: Shopping Cart Trick

Anonymous — Fri, 28 Apr 2017 01:01:03 GMT

Nope. Pops up after you plug in your address on checkout.

Re: Shopping Cart Trick

gtnitright — Fri, 28 Apr 2017 02:39:36 GMT

ok. Its not working for me, I've done everything I've read to do re SCT.... Nothing happening. Do you know if when applying in store at check out if that is a Hard Pull or Soft Pull

Re: Shopping Cart Trick

Dalmus — Fri, 28 Apr 2017 03:08:54 GMT

@gtnitright wrote:
ok. Its not working for me, I've done everything I've read to do re SCT.... Nothing happening. Do you know if when applying in store at check out if that is a Hard Pull or Soft Pull

Try clearing cookies. Turn off any ad or pop up blockers. Try using Chrome of Firefox in Ingonito (or Private) mode.

There's always the possibility that Comenity just doesn't like something your credit report for that particular card, too.

Re: Shopping Cart Trick

Anonymous — Fri, 28 Apr 2017 12:40:35 GMT

You scores are WAY higher than mine and I did get (and use) the SCT on Williams Sonoma -- mostly because I do in fact shop there (20% off friends and family deal is a great value). Only got $400. I always shop in an Incognito browser and I wasn't shopping to get the SCT but it popped up and my purchase was for just over $400 (so I bought a gift card for the balance and sent it to myself).

Try a different browser.

Re: Shopping Cart Trick

Anonymous — Fri, 28 Apr 2017 15:01:21 GMT

Hate to be "that guy", but before getting any card via the SCT, I'd give some serious thought as to whether I really need said card, that is, whether I'm going to be shopping often enough at that store to make having the card worth it. Connected to that, I would also take care about applying for a large number of cards with the SCT, as we've seen quite a bit of evidence lately that Comenity is cracking down on users who have lots of cards acquired via SCT but have never really used most of them.

Re: Shopping Cart Trick

Anonymous — Fri, 28 Apr 2017 15:06:03 GMT

Agree with joe here -- seems like a lot of people go on SCT sprees, charge them up, and then get into trouble. Having too many accounts to keep track of would give me a real headache. I shop at Williams-Sonoma and the 5% rewards is better than my rewards credit cards, so it's valuable and useful to me. Plus free shipping with the card is nice.

Since I got the card I've saved about $300 over if I had used a reward CC. PIF so I never pay the crazy interest rate.

Re: Shopping Cart Trick

Anonymous — Fri, 28 Apr 2017 15:14:07 GMT

@Anonymous wrote:
Agree with joe here -- seems like a lot of people go on SCT sprees, charge them up, and then get into trouble. Having too many accounts to keep track of would give me a real headache. I shop at Williams-Sonoma and the 5% rewards is better than my rewards credit cards, so it's valuable and useful to me. Plus free shipping with the card is nice.

Since I got the card I've saved about $300 over if I had used a reward CC. PIF so I never pay the crazy interest rate.

Just for the record, Paypal Credit is the only CC issued by Comenity that I really would like to get; I had been thinking earlier about Overstock, but having gone back recently to update my mailing address and looking at their prices, they're no longer nearly as attractive a shopping option IMO as they were back a decade ago when I used to buy a fair number of books and DVD's from them. The other stores in the Comenity stable leave me feeling "meh" at best.

Re: Shopping Cart Trick

Anonymous — Fri, 28 Apr 2017 17:03:56 GMT

Yeah overstock doesn't interest me and I don't use Paypal or eBay so no need for that one. Overstock's prices are incredibly high except when you get lucky with a sale or coupon, then it can be better than Amazon and retail.

I am never in a rush to buy anything, ever, so I generally just watch prices and wait for a great deal even if it's 9 months from now.

Re: Shopping Cart Trick

Anonymous — Fri, 28 Apr 2017 23:04:21 GMT

@Anonymous wrote:
Hate to be "that guy", but before getting any card via the SCT, I'd give some serious thought as to whether I really need said card, that is, whether I'm going to be shopping often enough at that store to make having the card worth it. Connected to that, I would also take care about applying for a large number of cards with the SCT, as we've seen quite a bit of evidence lately that Comenity is cracking down on users who have lots of cards acquired via SCT but have never really used most of them.

Given this situation, i got 1 in december 16 that i have decided i probably shouldn't have or won't use enough to be even worthwhile. I have not even used it. Is it better just to close out now with no use whatsoever or at lease charge and pif at least once before closing?

Re: Shopping Cart Trick

Anonymous — Fri, 28 Apr 2017 23:06:27 GMT

1 account doesn't matter -- as long as there's no annual fee, keep it towards utilization and aging. if you close it, it'll stay on your CRs for 10 more years.

Re: Shopping Cart Trick

Meanmchine — Sat, 29 Apr 2017 00:14:48 GMT

It took me over 3 months of trying before the popup worked for me. Now it doesnt stop.

If you want the WS Visa, just cold app for it because either way, its going to be a HP

Re: Shopping Cart Trick

Anonymous — Sat, 29 Apr 2017 00:31:34 GMT

Oddly enough, Overstock doesn't offer me the SCT unless I type in my old address from 2+ years ago. Not sure why that is as all my CRAs show my new address as the primary, and I didn't have an Overstock account at the old address ever.

Never accepted it because their prices seem to be 30% higher than Amazon on the items I am interested in, though.

Re: Shopping Cart Trick

Anonymous — Sat, 29 Apr 2017 01:07:20 GMT

I have never gotten the Williams Sonoma one to work. I have gotten 4 pop-ups for other Comenity and 3 of which I accepted cards but never William Sonoma. Williams Sonoma must have higher standards. I have a 5k limit on my Pottery Barn one. Same company as Williams Sonoma so I don't know why they don't offer me one especially since I shop there a lot.

Re: Shopping Cart Trick

Anonymous — Sat, 29 Apr 2017 01:11:13 GMT

@atomicfront wrote:
Williams Sonoma must have higher standards.

That's weird because my FICOs are under 600 except TU which is 600 right now. They gave me the SCT on the first time I ever created a small cart -- I wasn't even expecting the SCT because I don't really ever see it elsewhere.

Any chance you're typing your address in wrong or some other detail that might not match your CRAs properly?

Hoping for auto CLIs on this one because I actually have a bunch of things on my WS wish list and 5% rebates on a few grand of purchases this summer would be great. Plus their 15-20% off sales are always useful for me.

Re: Shopping Cart Trick

Anonymous — Sat, 29 Apr 2017 01:30:34 GMT

@Anonymous wrote:
@atomicfront wrote:
Williams Sonoma must have higher standards.
That's weird because my FICOs are under 600 except TU which is 600 right now. They gave me the SCT on the first time I ever created a small cart -- I wasn't even expecting the SCT because I don't really ever see it elsewhere.

Any chance you're typing your address in wrong or some other detail that might not match your CRAs properly?

Hoping for auto CLIs on this one because I actually have a bunch of things on my WS wish list and 5% rebates on a few grand of purchases this summer would be great. Plus their 15-20% off sales are always useful for me.

Ok so I just tried with an Incognito window in Chrome and it showed up when I checked out as a guest. I didn't accept as I have 12 new cards in the last 3 months.

Re: Shopping Cart Trick

Anonymous — Sat, 29 Apr 2017 01:38:43 GMT

Smart to avoid it -- if it isn't a useful card, no need to scare your other banks!

Re: Shopping Cart Trick

Anonymous — Tue, 02 May 2017 00:23:23 GMT

My WS Siggy Visa was done through the SCT and there was never a HP. There are several others who have had the same experience.

Re: Shopping Cart Trick

VipreArmed — Tue, 02 May 2017 21:40:40 GMT

Just curious because I was on Overstock and a Preapproval Popup showed up at checkout, is this the shopping trick everyone is talking about? I noticed it asked for my full SSN number so I wasn't sure.

I don't play on getting it but just wanted to be sure in the future if I see one, what does it look like. Because after searching the forums it seems as if they would only ask for my last 4 of my SSN and not the full or is that depending on the website/merchant?

Re: Shopping Cart Trick

PrinceCorwin — Tue, 02 May 2017 21:46:32 GMT

whats the shopping card trick