topic Re: Shopping Cart Trick - Victoria Secret & JCrew in Credit Card Applications

Shopping Cart Trick - Victoria Secret & JCrew

Anonymous — Sun, 28 Oct 2018 04:28:24 GMT

Pretty excited.

My BK was discharged in July 2018, I signed up for a USAA Secured Card on Oct 26, and did the shopping cart trick on Victoria Secret and JCrew today and got approved for both $250 limits. I think I am good now that I have 3 credit cards under my belt and going to get those grow. Any advice for future plans?

Re: Shopping Cart Trick - Victoria Secret & JCrew

Brian_Earl_Spilner — Sun, 28 Oct 2018 05:56:09 GMT

My advice: Don't do the SCT anymore as it hasn't been working lately. More and more people are reporting getting hard pulls. Don't apply for cards just to get cards, apply for cards you will use and/or grow into such as part of a rewards structure. I currently have three 1.5% cards and a 2% card. Guess which ones I don't use anymore. I should have just used my secured Discover for the first year because it's 2-10% after cash back match, then applied for the PayPal. Now, I'm waiting for the 6 inquiries from 2 cap1 cards that dont grow, to age off.

Re: Shopping Cart Trick - Victoria Secret & JCrew

AverageJoesCredit — Sun, 28 Oct 2018 12:34:28 GMT

Take your time and be strategic on the cards you want, even it takes 6 months or a year to achieve that card. Dont get cards just to have them

Re: Shopping Cart Trick - Victoria Secret & JCrew

Anonymous — Sun, 28 Oct 2018 15:51:19 GMT

Jcrew did do a hard pull. -2 on EU

Re: Shopping Cart Trick - Victoria Secret & JCrew

Anonymous — Sun, 28 Oct 2018 15:51:38 GMT

Jcrew did do a hard pull. -2 on EU be aware.

Re: Shopping Cart Trick - Victoria Secret & JCrew

Brian_Earl_Spilner — Sun, 28 Oct 2018 16:12:16 GMT

It isn't the SCT if you get a HP. That's another datapoint showing the trick is basically dead.

Re: Shopping Cart Trick - Victoria Secret & JCrew

Anonymous — Sun, 28 Oct 2018 16:38:03 GMT

Correct, lesson learned.

Re: Shopping Cart Trick - Victoria Secret & JCrew

FireMedic1 — Mon, 29 Oct 2018 00:29:56 GMT

I've added your results to my SCT thread. Sorry this happened to you. Ask here first before you apply for anything. 100's of yrs of experience that can guide you in the right direction. Was VS a HP too?

Re: Shopping Cart Trick - Victoria Secret & JCrew

Anonymous — Mon, 29 Oct 2018 01:04:57 GMT

Definitely will do that from now on.

VS was only a SP.