topic Re: Shopping cart trick in Credit Cards

Shopping cart trick

stefnian0426 — Fri, 28 Feb 2014 20:49:37 GMT

I have just recently found out about this trick (wish i knew sooner)

I applied for a mandees card and was approved with a $300 limit (in store)

I tried for a few days at VS with the shopping cart trick and finally got the pop up. (was approved for $500)

I am trying to get 1 more card but have not had any luck. Really trying to get a sporting store since i would most likely shop there since i already have 2 clothing stores.

Nothing yet but hopefully, eventually i can get one. (hubby really wants a metal detector lol)

From what i have gathered, quite a few of comenity bank stores works with the shopping cart trick. Has anyone had any luck with any other stores. Or maybe a actual credit card? I would love a card to use anywhere but do not want to apply as i am trying to build up my credit.

Re: Shopping cart trick

gdale6 — Fri, 28 Feb 2014 20:52:03 GMT

Fuel Rewards Network mastercard is backed by Comenity so is Vitacost

Re: Shopping cart trick

tattooedhusker — Fri, 28 Feb 2014 20:52:10 GMT

@stefnian0426 wrote:
I have just recently found out about this trick (wish i knew sooner)

I applied for a mandees card and was approved with a $300 limit (in store)

I tried for a few days at VS with the shopping cart trick and finally got the pop up. (was approved for $500)

I am trying to get 1 more card but have not had any luck. Really trying to get a sporting store since i would most likely shop there since i already have 2 clothing stores.
Nothing yet but hopefully, eventually i can get one. (hubby really wants a metal detector lol)

From what i have gathered, quite a few of comenity bank stores works with the shopping cart trick. Has anyone had any luck with any other stores. Or maybe a actual credit card? I would love a card to use anywhere but do not want to apply as i am trying to build up my credit.

Buckle, Express, JCrew, Sportsmans Guide Visa

Re: Shopping cart trick

stefnian0426 — Fri, 28 Feb 2014 22:49:53 GMT

update: was approved for $250 from king size.

I keep trying the sportsmans guide, nothing yet.

Re: Shopping cart trick

fungoman — Fri, 28 Feb 2014 23:39:59 GMT

How far do you have to get in the checkout process for this to generate the popup?

Re: Shopping cart trick

iowapilot84 — Sat, 01 Mar 2014 01:15:25 GMT

@fungoman wrote:
How far do you have to get in the checkout process for this to generate the popup?

When I did the Express and Buckle card I had an item in the shopping cart and clicked on Check Out and before it took me to the final order screen it popped up with the pre-approved message. WIth the Comenity cards I've found if you can proceed to the payment details screen where you'd enter your card information and don't see the pre-approved pop up screen that you are likely not pre-approved to get the card. I also get a pop-up from Brylane Home but haven't gotten that card beacause I don't shop there often and don't want to ding my AAOA any further.

Re: Shopping cart trick

wacdenney — Sat, 01 Mar 2014 04:33:44 GMT

@stefnian0426 wrote:
update: was approved for $250 from king size.

I keep trying the sportsmans guide, nothing yet.

To get the Sportsman's Guide popup you have to add their buyer's club rewards membership thing to your cart. I put the membership plus enough other junk to come out to around $2000.00 and when I went to checkout got the popup and was approved for the $2000.00 I had in my cart. Once you are approved and go through the application process just go back in and delete everything from your cart.

Re: Shopping cart trick

indiolatino61 — Sat, 01 Mar 2014 05:49:00 GMT

@stefnian0426 wrote:
I have just recently found out about this trick (wish i knew sooner)

I applied for a mandees card and was approved with a $300 limit (in store)

I tried for a few days at VS with the shopping cart trick and finally got the pop up. (was approved for $500)

I am trying to get 1 more card but have not had any luck. Really trying to get a sporting store since i would most likely shop there since i already have 2 clothing stores.
Nothing yet but hopefully, eventually i can get one. (hubby really wants a metal detector lol)

From what i have gathered, quite a few of comenity bank stores works with the shopping cart trick. Has anyone had any luck with any other stores. Or maybe a actual credit card? I would love a card to use anywhere but do not want to apply as i am trying to build up my credit.

Congrats on your approvals. In all my rebuilding phase, I never once had a pop-up doing the SCT...!

Re: Shopping cart trick

scarletdarling — Wed, 05 Mar 2014 23:02:26 GMT

I just got the pop up for VIctoria's Secret today, approved for $500 as well. I tried calling to see if they would just link with my old account they had closed a couple years ago due to inactivity, but no bueno. Bah. haha Worth a shot!

Re: Shopping cart trick

Creditaddict — Wed, 05 Mar 2014 23:38:43 GMT

@wacdenney wrote:
@stefnian0426 wrote:
update: was approved for $250 from king size.

I keep trying the sportsmans guide, nothing yet.

To get the Sportsman's Guide popup you have to add their buyer's club rewards membership thing to your cart. I put the membership plus enough other junk to come out to around $2000.00 and when I went to checkout got the popup and was approved for the $2000.00 I had in my cart. Once you are approved and go through the application process just go back in and delete everything from your cart.

I just can't get the sportsmans guide to save my life... I really want the total rewards though... even got an email about it yesterday and got so excisted and logged in but it was just saying I "should get it" not that I was pre-approved for it!!

and on "Some" of the sites I have had to actually put my credit card info in AND THEN I got pop up... vita cost and hsn worked this way for me.... go all the way to click to submit order if you have to!

Re: Shopping cart trick

IWOL — Thu, 06 Mar 2014 00:31:41 GMT

From my experience playing with the shopping cart trick im guessing that the Total Rewards requires the highest underwriting standards to get the pre approval, then ones like Sportsmans Guide & Coldwater Creek and last the plain store cards.

They soft my EQ for all of these and I get the offers from Sportmans Guide, Coldwater Creek and all the stores like VS, Pottery Barn etc.

My EQ score is at 699. Im guessing you need around 720 score to get the Total Rewards pre approval so I dont get that one.

Ive never accepted any of these offers cause unless you are at the bottom range of acceptance for these I think even a B of A secured rewards card is better than one of these.

I can see these being of some use in rebuilding but I think alot of people will regret getting a whole bunch of them later on in their rebuild. When you get to a point that you want to apply for better cards I think it looks bad to underwriters when they see a dozen toy limit store cards.

Re: Shopping cart trick

BigBS — Thu, 06 Mar 2014 00:38:58 GMT

Agree with much of what you are saying, but not all of the CLs given are toy limits.

Re: Shopping cart trick

Creditaddict — Thu, 06 Mar 2014 02:13:46 GMT

@BigBS wrote:
Agree with much of what you are saying, but not all of the CLs given are toy limits.

For sure not toy!!!

Have you seen Ron!!

I got HSN for $1500

Vitacost MC for $1500

Now my first shopping cart tricks for Express and Buckle for $250 while yes are kind of toy, I at the time of approval was THRILLED with and they seem to have propelled me to some of these other... I applied for Pottery Barn ($2k, CLI instantly to $2800, and Bill Me Later $772 currently, have not tried to charge more) so for many the "in" is worth it's wait in GOLD!

and the only card that I got that I actually regret or have no use for is The Buckle.

Re: Shopping cart trick

Anonymous — Sun, 04 May 2014 06:03:53 GMT

I wonder why I never saw the pop out..

My AAOA is 4.5 years

Credit score is 782 last time when Approved for SPG AMEX

I opted in and never see anything pop out.

Re: Shopping cart trick

mongstradamus — Sun, 04 May 2014 06:06:42 GMT

@Anonymous wrote:
I wonder why I never saw the pop out..
My AAOA is 4.5 years
Credit score is 782 last time when Approved for SPG AMEX
I opted in and never see anything pop out.

Doesn't work for everybody I have never got an popup either.my scores are similar to yours.in the high 700s.

Re: Shopping cart trick

Anonymous — Sun, 04 May 2014 06:11:44 GMT

you opt in as well right? I tried my husband's info and doesn't work either

His profile was about the same as mine with longer AAOA

I wonder if we apply in store would it be SP?

I am never really interested in those store card but recently need a large purchase and want to get a sign up discount.

Also the total rewards one seems good to me too

Re: Shopping cart trick

mongstradamus — Sun, 04 May 2014 06:14:36 GMT

@Anonymous wrote:
you opt in as well right? I tried my husband's info and doesn't work either
His profile was about the same as mine with longer AAOA
I wonder if we apply in store would it be SP?
I am never really interested in those store card but recently need a large purchase and want to get a sign up discount.
Also the total rewards one seems good to me too

I was interested in it when I was in rebuilding phase last year, now I am in better position to get better cards,so I am meh on not getting popup anymore .

Re: Shopping cart trick

Anonymous — Sun, 04 May 2014 07:15:32 GMT

Did you get pop out when rebuilding?

I don't know why I never get any..

Re: Shopping cart trick

mongstradamus — Sun, 04 May 2014 07:17:17 GMT

@Anonymous wrote:
Did you get pop out when rebuilding?
I don't know why I never get any..

No I never got popup.I still don't get them now with a clean credit report.oh well

Re: Shopping cart trick

Shogun — Sun, 04 May 2014 12:38:18 GMT

I was placing an order off of HSN and had put in my paypal info, got the popup from them and got the HSN Commenity card with a $4K limit.