topic Re: Shopping Cart Trick in Credit Cards

Shopping Cart Trick

Anonymous — Sat, 07 Apr 2018 14:58:00 GMT

Shopping Cart Tricks that have worked for me - 2018:

Children's Place $500 CL (70 during checkout)
Victoria's Secret $350 (70)
Full Beauty $250 ($81.96)
NY and Co $500 ($67.96)
Jessica London $250 ($88)

Re: Shopping Cart Trick

AverageJoesCredit — Sat, 07 Apr 2018 15:07:54 GMT

Thats alot of SCT cards to have from Comenity. Be careful playing with Comenity Roulette.

Re: Shopping Cart Trick

AppHappyTog — Sat, 07 Apr 2018 15:45:03 GMT

@AverageJoesCredit wrote:
Thats alot of SCT cards to have from Comenity. Be careful playing with Comenity Roulette.

I’ve got more Comenity cards than I’d like to admit. The only ones I’ve been able to get CLI on are pottery barn and J crew. Then they started hitting my EX with hard pulls for CLI requests that I didn’t even get. Ended up having to put EX on ice to avoid them once I realized what they were doing. My profile looks a little funny to me with a load of Comenity accounts on there, vs having a good solid amount of variety and because of those accounts it’s gonna be over another year before I can even app for a chase card that I’d actually like to have and use.

I’d say stop where you’re at on those and only stick to the ones you’ll actually use.

Re: Shopping Cart Trick

AverageJoesCredit — Sat, 07 Apr 2018 16:21:19 GMT

Yeah, sometimes we learn too late with Comenity or perhaps Synchrony by gobbling up all the goodies too fast. In that regard, they are slick as normally all the places people like to shop end up being Sync or Comenity.

Im down to 2 , PayPal Credit, which is hidden, and Zales but with no one to buy for, lol, that may be the next to go.

Re: Shopping Cart Trick

Anonymous — Sat, 07 Apr 2018 23:43:25 GMT

I've stuck by the addage of only getting a store card for a store that I would/do actually shop at and this has held me to one Comenity card (Wayfair) up until recently when I bit on the PayPal credit ad dangling before me time and time again. On the plus side, Comenity has been extremely gracious with the CLI's on that Wayfair card bumping it up about $1500 every month or so....now if only that PayPal credit line worked that way

Re: Shopping Cart Trick

rprisco — Sun, 08 Apr 2018 10:52:00 GMT

I made mistake of getting 5 stc all at once last may, and last August I took another.

while on most of the cards I get monthly big CLI and have had no problems with comenity (yet), I'm forced to not app for BJ's or other visa backed by them for fear of closure. Getting new prime cards after 5 stc was overly hard.

In May they will be 1 year and I will thin the heard. Be careful is my advise.

Re: Shopping Cart Trick

AverageJoesCredit — Sun, 08 Apr 2018 11:59:29 GMT

Thats the key with Comenity, if you want majors you have to play it safe. I understand they have some good majors with some nice Bt offers but too much uncertainty in even if you get a major how many store cards can one mix in without shutdown. Too many eggshells for me lol

Re: Shopping Cart Trick

Dalmus — Sun, 08 Apr 2018 15:42:25 GMT

I'm down to just the JCrew myself. Going on the SCT spree when I first started my rebuild probably slowed down my progress by 8-12 months.

Re: Shopping Cart Trick

Anonymous — Sun, 08 Apr 2018 17:28:40 GMT

I used the SCT back in Decemeber and was approved for VS ($500) & Ann Taylor ($500). I was also offered a Pottery Barn card but I declined.

...Still haven't used the cards.

Since then I've been approved for a Capital One card, upped the limit on my secured Discover card, was approved for a Target card (which I actually end up using once or twice a month), & Care Credit. Two SCT cards was enough to scare me straight since I know they're quick to close accounts.

Re: Shopping Cart Trick

pizza1 — Sun, 08 Apr 2018 21:38:45 GMT

Are you carrying balances on all those cards, or are the totals in ( ), just what you put into the SCT at check out??

Re: Shopping Cart Trick

Anonymous — Sun, 08 Apr 2018 21:47:46 GMT

The amount in parentheses is how much I was approved for. I put maybe $100-200 worth of stuff in my cart before I was preselected.

Re: Shopping Cart Trick

pizza1 — Sun, 08 Apr 2018 23:54:31 GMT

@Anonymous wrote:
The amount in parentheses is how much I was approved for. I put maybe $100-200 worth of stuff in my cart before I was preselected.

Sorry, I was asking OP that question.

Re: Shopping Cart Trick

Anonymous — Mon, 09 Apr 2018 03:54:09 GMT

I just closed Kay Jewlers

Re: Shopping Cart Trick

aircobra — Mon, 09 Apr 2018 05:04:26 GMT

Now I am worried I have too many (opened 6 in a week or so timeframe). I don't want to close any of them because they're only a month old.

Re: Shopping Cart Trick

Anonymous — Mon, 09 Apr 2018 05:53:09 GMT

@AverageJoesCredit wrote:
Thats the key with Comenity, if you want majors you have to play it safe. I understand they have some good majors with some nice Bt offers but too much uncertainty in even if you get a major how many store cards can one mix in without shutdown. Too many eggshells for me lol

AJC, You always explain things very sarcastic but I think it helps calm folks good job.

Re: Shopping Cart Trick

SunriseEarth — Mon, 09 Apr 2018 08:18:06 GMT

@aircobra wrote:
Now I am worried I have too many (opened 6 in a week or so timeframe). I don't want to close any of them because they're only a month old.

What's done is done. There's no need to close anything, but you may want to slow down, treat your accounts well and let them age.

Also, make sure what you have fits your needs. Getting something just because you can isn't a great idea. That's how I got a Victoria's Secret card during my rebuild (I only ever used it at BBW). Also I don't recommend redundant shopping cart cards. Since Jessica London and Full Beauty are the same company and share the same rewards structure, there isn't a need to spend on both; you could use one and then SD the other.

Re: Shopping Cart Trick

AppHappyTog — Wed, 11 Apr 2018 14:19:07 GMT

@aircobra wrote:
Now I am worried I have too many (opened 6 in a week or so timeframe). I don't want to close any of them because they're only a month old.

Yeah, that’s a lot in a short period of time. Even if that didn’t give you hard pulls it still flags you as looking quite desperate for credit to other lenders. Since they’re already open you might as well let them hang out for a bit and give you some positive payment history. I plan on closing quite a few of mine out once they hit one year old.

Re: Shopping Cart Trick

Anonymous — Wed, 11 Apr 2018 17:22:49 GMT

@AverageJoesCredit wrote:
Yeah, sometimes we learn too late with Comenity or perhaps Synchrony by gobbling up all the goodies too fast. In that regard, they are slick as normally all the places people like to shop end up being Sync or Comenity.

Im down to 2 , PayPal Credit, which is hidden, and Zales but with no one to buy for, lol, that may be the next to go.

AJC maybe you should go out more often.lol If you do take the Zales with ya

Re: Shopping Cart Trick

Anonymous — Tue, 03 Jul 2018 02:41:30 GMT

Can u do mines

Re: Shopping Cart Trick

Brian_Earl_Spilner — Tue, 03 Jul 2018 06:03:05 GMT

Feel bad for the OP. They were just posting their results and everyone scared them.