topic Re: Any Negative in Getting A Credit Card Via Soft Pull?! in Credit Cards

Credit Card Via Soft Pull?!

XxRaVeNxX — Wed, 10 Oct 2012 02:06:19 GMT

Is there any harm in getting these store cards via a soft pull and never using them?

I got randomly Buckle (Too expensive for my taste) and Roaman's(Actually never heard of them), through the checkout trick. (I've been trying forever for Victoria Secret, but I guess they have different underwriting criteria)

I just got them for the hell of it...any harm, besides it will probably hurt my AAOA? Will probably cut them up(literally) the minute they get here...

List of places that issue a store card via a soft pull at checkout: (WFNNB)

Abercrombie & Fitch
American
American Home
American Signature
Furniture
Ann Taylor
Arhaus Furniture
Ashley Stewart
Avenue
Bealls
Bealls Outlet
Blair
Brylane Home
Buckle
Burke's
Outlet
Carter Lumber
Chadwick's
Crate & Barrel
Crescent
Jewelers
CruiseOne Leisure Miles Mastercard
Design Within
Domestications
Dressbarn
Dunlaps
Dutyfree.com
Eddie Bauer
Express
Fastline
Fina
Fortunoff
Friedman's Jewelers
Gander Mountain
Garden Ridge
Gardner-White
Giant Eagle Fuelperks
Goody's
Gordmans
Harlem Furniture
International Male
J. Crew
Jessica London
Kanes/Savon Furniture
KingSize
La Redoute
Levin Furniture
Limited Too
Little Switzerland
Marianne
Maurices
MedChoice Financial
Metrostyle
MyWorld Mastercard
New York & Company
Newport News
OneStopPlus
OSH/ Orchard
Supply Hardware
Pacific Sunwear
Palais Royal
Pamida
Peebles
Pottery Barn/Pottery Barn Kids
Reeds Jewelers
Restoration Hardware
Roaman's
Samuels
Shop At Home Network
Silhouettes
Spiegel
Stage
The Company Store/Company Kids
The Sportsman's Guide
Trek
Undergear
Value City Furniture
Victoria's Secret
West Elm
Woman Within
Woodcraft

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

maiden_girl — Tue, 09 Oct 2012 23:09:48 GMT

Do you have all these cards? I say, if you don't need it, why get it? It will eventually affect your AAoA.

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

XxRaVeNxX — Tue, 09 Oct 2012 23:12:27 GMT

I don't have all those cards, it's just a reference list of stores that give people store cards with a soft pull via the check out trick....

And just getting them will help utilization...

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

creditnocash — Tue, 09 Oct 2012 23:14:18 GMT

That's like apping for fun.

If you open too many accounts some creditors might see you as risky but that's about it. and the obvious aoaa drop. inq's. im not sure about the inqs though. i think its like a pre approval that they pull your credit once you accept.

for example at the bank where i work if your pre approved on the line its like half and half.

if your pre approved when doing account maintenance your pre approved and no credit pulled. and my bank specifically pulls eq =/

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

XxRaVeNxX — Tue, 09 Oct 2012 23:16:17 GMT

I understand, but it's a well known fact that WFFNB doesn't hard pull when the check out trick happens...

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

maiden_girl — Tue, 09 Oct 2012 23:17:59 GMT

@XxRaVeNxX wrote:
I don't have all those cards, it's just a reference list of stores that give people store cards with a soft pull via the check out trick....

And just getting them will help utilization...

Oh OK! I think it would be easier to just apply for one big tradeline for util help! Or are you trying to avoid a HP?

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

XxRaVeNxX — Tue, 09 Oct 2012 23:18:56 GMT

Just avoiding a hard pull...I don't even shop at these stores...

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

creditnocash — Tue, 09 Oct 2012 23:21:26 GMT

harlem furniture?

lol half of these are probably mom and pop shops.

i havent heard of 80% of these stores.

express maybe but their clothes have gone down in quality imo.

edit:btw whats your aaoa?

i wouldnt apply to too many of these. you could get stuck in the "toy" limit hell. and most of these probably if you dont use them for 5+ months could close your accounts for inactivity.

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

Anonymous — Tue, 09 Oct 2012 23:29:48 GMT

This is the first that I have heard of VCF being a soft pull. Over the years eeryone I know that has applied for a VCF acct was denied

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

navigatethis12 — Tue, 09 Oct 2012 23:34:18 GMT

I do not think it is any more or less harmful than getting a hard pull for the account. A new account may still cause the score to drop and lenders to wonder what is up with all the new accounts. If you do not need them, I think it is useless to apply for them. I would rather have a card that I know I would use if you are worried about utilisation. You will probably have to use them a few times a year to keep them active.

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

XxRaVeNxX — Tue, 09 Oct 2012 23:42:32 GMT

@Credit314 wrote:
This is the first that I have heard of VCF being a soft pull. Over the years eeryone I know that has applied for a VCF acct was denied

It's the same check out trick people are using to get Victoria's Secret card via a soft pull...see a few threads down

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

jwduke — Wed, 10 Oct 2012 00:28:19 GMT

@XxRaVeNxX wrote:
I understand, but it's a well known fact that WFFNB doesn't hard pull when the check out trick happens...

Most of those cards are issued by WFFNB......

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

Anonymous — Wed, 10 Oct 2012 01:16:52 GMT

I have brylane homes and Victoria secret....those are the only ones I use and that's maybe once or twice a year. Do all of those preapprove u at checkout? I ordered some stuff from gander mountain and got nothing. I hot a popup from buckle but didnt accept.

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

XxRaVeNxX — Wed, 10 Oct 2012 01:24:49 GMT

Yea, all of those pre-approve...I got Buckle and Roaman's, but I've been trying for weeks to get Victoria Secret...seems everyone gets it but me...

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

Anonymous — Wed, 10 Oct 2012 01:36:35 GMT

@XxRaVeNxX wrote:
I understand, but it's a well known fact that WFFNB doesn't hard pull when the check out trick happens...

What is the "check out trick?" Please explain the process.

Also what is WFFNB? Wells Fargo First National Bank? ...I can't find this accronymn in the sticky list.

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

XxRaVeNxX — Wed, 10 Oct 2012 01:45:26 GMT

Set up an online account with one or more of the numerous WFNNB backed cards.. Input all your correct personal info and phone number. Put a few items in your account and go to checkout. When you checkout they will usually soft your credit report and if you meet the store cards standards you will get a box that says you've been preapproved for a card, they offer you a credit line, and to click to accept. If you accept, you get the account with no hard inquiry. You do not have to complete the transaction.

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

Anonymous — Wed, 10 Oct 2012 01:59:52 GMT

@XxRaVeNxX wrote:
Set up an online account with one or more of the numerous WFNNB backed cards.. Input all your correct personal info and phone number. Put a few items in your account and go to checkout. When you checkout they will usually soft your credit report and if you meet the store cards standards you will get a box that says you've been preapproved for a card, they offer you a credit line, and to click to accept. If you accept, you get the account with no hard inquiry. You do not have to complete the transaction.

ah okay. so like for example: I go to express.com and create an account. then checkout and it will do it? Or i have to go to WFFNB website and set up an account there, then go to express.com and checkout and wait for a pre apporval?

do they need a SSN?

Do you know what WFFNB/WFNNB stands for? I just guessed Wells Fargo First Nationla Bank, i'd be surpirzed if i guessed right

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

XxRaVeNxX — Wed, 10 Oct 2012 02:05:59 GMT

Correct, just go to the website, and click check out. If you match the criteria, a pop up will show up. They don't need social... It stands for Wells Fargo..

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

Anonymous — Wed, 10 Oct 2012 02:10:38 GMT

@XxRaVeNxX wrote:
Correct, just go to the website, and click check out. If you match the criteria, a pop up will show up. They don't need social... It stands for Wells Fargo..

oh okay cool, i did not know not. thanks.

ahh, Wells Fargo, luckly guess

Re: Any Negative in Getting A Credit Card Via Soft Pull?!

jsucool76 — Wed, 10 Oct 2012 02:17:37 GMT

@XxRaVeNxX wrote:
Correct, just go to the website, and click check out. If you match the criteria, a pop up will show up. They don't need social... It stands for Wells Fargo..

It does not. It stands for World Financial Network National Bank.

Edit: Okay...just reread this page of the thread...WFFNB is Wells Fargo Financial National Bank, WFNNB is World Financial Network National Bank....These are two different entities as far as I know.