topic Re: Shopping Cart Trick Question - NY&C in Credit Cards

Shopping Cart Trick Question - NY&C

Striker1 — Thu, 08 Oct 2015 23:56:10 GMT

The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull?

Re: Shopping Cart Trick Question - NY&C

Anonymous — Mon, 12 Oct 2015 20:41:04 GMT

@Striker1 wrote:
The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull?

I'm curious of what you are asking... I have a NY&C card too. I've been trying to get a credit line increase for a month and nothing yet. Can you explain your question?

Re: Shopping Cart Trick Question - NY&C

ErikaC1 — Mon, 12 Oct 2015 21:04:09 GMT

Striker1 wrote:

The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull?

This happened to me with the Express Card which is through the same bank. I did the shopping card trick, got the pop up but got the 7-10 day message. I did get a letter in the mail to call in to verify my identity. After that I was approved. Good luck!

Re: Shopping Cart Trick Question - NY&C

Anonymous — Mon, 12 Oct 2015 21:06:16 GMT

@ErikaC1 wrote:

@Striker1 wrote:
The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull?
This happened to me with the Express Card which is through the same bank. I did the shopping card trick, got the pop up but got the 7-10 day message. I did get a letter in the mail to call in to verify my identity. After that I was approved. Good luck!

What's the shopping cart trick? Is it a SP or HP?

Re: Shopping Cart Trick Question - NY&C

woodsie1 — Mon, 12 Oct 2015 21:12:50 GMT

They may need to verify her information. Good Luck!

Re: Shopping Cart Trick Question - NY&C

ErikaC1 — Mon, 12 Oct 2015 21:17:07 GMT

Jdana70 wrote:

What's the shopping cart trick? Is it a SP or HP?

When you are going through the checkout process and an offers pops up saying you are prequalified for the merchant's credit card, pre-screened offer. Most people are approved instantly. I always have to verify something, never happens for me unfortunately. Should be soft pull unless they come back with the 7-10 waiting message and you get some sort of letter requiring some verification. They might have to do a hard pull. It all depends on the individual.

Re: Shopping Cart Trick Question - NY&C

woodsie1 — Mon, 12 Oct 2015 21:17:53 GMT

@Anonymous wrote:
@ErikaC1 wrote:

@Striker1 wrote:
The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull?
This happened to me with the Express Card which is through the same bank. I did the shopping card trick, got the pop up but got the 7-10 day message. I did get a letter in the mail to call in to verify my identity. After that I was approved. Good luck!
What's the shopping cart trick? Is it a SP or HP?

The shopping cart trick has been explained in depth throughout the forum. You can do a quick search and find tons of info on it. It is usually a SP with the exception of comenity visa or mastercard cc's

Re: Shopping Cart Trick Question - NY&C

Anonymous — Mon, 12 Oct 2015 21:21:03 GMT

@woodsie1 wrote:
@Anonymous wrote:
@ErikaC1 wrote:

@Striker1 wrote:
The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull?
This happened to me with the Express Card which is through the same bank. I did the shopping card trick, got the pop up but got the 7-10 day message. I did get a letter in the mail to call in to verify my identity. After that I was approved. Good luck!
What's the shopping cart trick? Is it a SP or HP?
The shopping cart trick has been explained in depth throughout the forum. You can do a quick search and find tons of info on it. It is usually a SP with the exception of comenity visa or mastercard cc's

Thanks, I'll search the forums.