topic Re: What is the shopping cart trick? in Credit Cards

What is the shopping cart trick?

Skye12329 — Wed, 28 May 2014 09:27:31 GMT

I was wondering what the shopping cart trick was? I have been noticing people mentioning it and how it only pops up if your scores are over X amount. Also how would it know what your scores were?

Re: What is the shopping cart trick?

Kirmie2010 — Wed, 28 May 2014 09:32:43 GMT

You go to any of the listed comenity bank websites that its been said to work on. Main ones seem to be eddie bauer and victorias secret.

Add an item to your cart, go to checkout. Type your name/info in and click submit or continue, itll take from 5 to 15 seconds to load the next part of the ordering process where it wants your payment info(you dont put that in). If you get a popup, you were pre approved. If not, you werent.

Nothing to do with just a score, has to do with your overall report im pretty sure. (I get denied because I have collections yet my score is not that bad, wife gets denied because shes got no credit history or a thin file)

It soft pulls your credit info to see your credit report (does not affect your score) then scores it based on whatever algorithm they use. Your score with comenity bank probably isnt the same as if you went with chse or capital one.

Re: What is the shopping cart trick?

Ghoshida — Wed, 28 May 2014 09:33:37 GMT

@Skye12329 wrote:
I was wondering what the shopping cart trick was? I have been noticing people mentioning it and how it only pops up if your scores are over X amount. Also how would it know what your scores were?

My guess is it is the same method as pre-screen offers. Those offers are targeted to people who make at least a threshold score.

The shopping cart trick also gives you the card without another hard pull. A typical credit card will make a hard pull even after making the pre-screened offer.

Re: What is the shopping cart trick?

mongstradamus — Wed, 28 May 2014 14:43:49 GMT

@Ghoshida wrote:
@Skye12329 wrote:
I was wondering what the shopping cart trick was? I have been noticing people mentioning it and how it only pops up if your scores are over X amount. Also how would it know what your scores were?
My guess is it is the same method as pre-screen offers. Those offers are targeted to people who make at least a threshold score.
The shopping cart trick also gives you the card without another hard pull. A typical credit card will make a hard pull even after making the pre-screened offer.

I have been trying for jcrew card for an while since maybe fall of last year, still nothing . I don't know what its actually based on because my scores should be good enough to get an store card i would think.

Re: What is the shopping cart trick?

TheBoss — Wed, 28 May 2014 14:53:43 GMT

My credit apparently isn't good enough to get the trick, but I just wanted to see it, so I entered my dad's info in (very good credit), and boom, it popped up on all the sites. So it does work.

Re: What is the shopping cart trick?

Creditaddict — Wed, 28 May 2014 15:55:49 GMT

@mongstradamus wrote:
@Ghoshida wrote:
@Skye12329 wrote:
I was wondering what the shopping cart trick was? I have been noticing people mentioning it and how it only pops up if your scores are over X amount. Also how would it know what your scores were?
My guess is it is the same method as pre-screen offers. Those offers are targeted to people who make at least a threshold score.
The shopping cart trick also gives you the card without another hard pull. A typical credit card will make a hard pull even after making the pre-screened offer.
I have been trying for jcrew card for an while since maybe fall of last year, still nothing . I don't know what its actually based on because my scores should be good enough to get an store card i would think.

Check what address is on your EX report.

be sure if you have an Apartment you see if it is reported on your credit as #, Apt, Unit, etc... I was never getting any popups when I typed my address and put #000 on same line as address when I started to do address and then second line Apt 000 I started to get the pop ups!

Re: What is the shopping cart trick?

mongstradamus — Wed, 28 May 2014 15:58:36 GMT

@Creditaddict wrote:
@mongstradamus wrote:
@Ghoshida wrote:
@Skye12329 wrote:
I was wondering what the shopping cart trick was? I have been noticing people mentioning it and how it only pops up if your scores are over X amount. Also how would it know what your scores were?
My guess is it is the same method as pre-screen offers. Those offers are targeted to people who make at least a threshold score.
The shopping cart trick also gives you the card without another hard pull. A typical credit card will make a hard pull even after making the pre-screened offer.
I have been trying for jcrew card for an while since maybe fall of last year, still nothing . I don't know what its actually based on because my scores should be good enough to get an store card i would think.
Check what address is on your EX report.
be sure if you have an Apartment you see if it is reported on your credit as #, Apt, Unit, etc... I was never getting any popups when I typed my address and put #000 on same line as address when I started to do address and then second line Apt 000 I started to get the pop ups!

I actually just pulled my ex report and had wrong birthdate , so lets see if that fixes things

Re: What is the shopping cart trick?

Ghoshida — Wed, 28 May 2014 18:35:27 GMT

@mongstradamus wrote:
@Creditaddict wrote:
@mongstradamus wrote:
@Ghoshida wrote:
@Skye12329 wrote:
I was wondering what the shopping cart trick was? I have been noticing people mentioning it and how it only pops up if your scores are over X amount. Also how would it know what your scores were?
My guess is it is the same method as pre-screen offers. Those offers are targeted to people who make at least a threshold score.
The shopping cart trick also gives you the card without another hard pull. A typical credit card will make a hard pull even after making the pre-screened offer.
I have been trying for jcrew card for an while since maybe fall of last year, still nothing . I don't know what its actually based on because my scores should be good enough to get an store card i would think.
Check what address is on your EX report.
be sure if you have an Apartment you see if it is reported on your credit as #, Apt, Unit, etc... I was never getting any popups when I typed my address and put #000 on same line as address when I started to do address and then second line Apt 000 I started to get the pop ups!
I actually just pulled my ex report and had wrong birthdate , so lets see if that fixes things

Good luck Mong

However just keep in mind if you're planning to apply for some premium cards later on this summer or early fall, how the lenders will look at new credit.

I'm still biting my hands off after the Slate drapping. AMEX won't forgive me

Re: What is the shopping cart trick?

mongstradamus — Wed, 28 May 2014 19:45:41 GMT

@Ghoshida wrote:
@mongstradamus wrote:
@Creditaddict wrote:
@mongstradamus wrote:
@Ghoshida wrote:
@Skye12329 wrote:
I was wondering what the shopping cart trick was? I have been noticing people mentioning it and how it only pops up if your scores are over X amount. Also how would it know what your scores were?
My guess is it is the same method as pre-screen offers. Those offers are targeted to people who make at least a threshold score.
The shopping cart trick also gives you the card without another hard pull. A typical credit card will make a hard pull even after making the pre-screened offer.
I have been trying for jcrew card for an while since maybe fall of last year, still nothing . I don't know what its actually based on because my scores should be good enough to get an store card i would think.
Check what address is on your EX report.
be sure if you have an Apartment you see if it is reported on your credit as #, Apt, Unit, etc... I was never getting any popups when I typed my address and put #000 on same line as address when I started to do address and then second line Apt 000 I started to get the pop ups!
I actually just pulled my ex report and had wrong birthdate , so lets see if that fixes things
Good luck Mong

However just keep in mind if you're planning to apply for some premium cards later on this summer or early fall, how the lenders will look at new credit.

I'm still biting my hands off after the Slate drapping. AMEX won't forgive me

I am not planning taking the store cards I just want to see my pop up lol. I noticed conmenity cards and boa cards don't give me any pre approvals . I wonder if something is wrong with my credit report. Ex says everything is fixed for now , i wonder how my scores are affected

Re: What is the shopping cart trick?

PlasticOrPlastic — Wed, 28 May 2014 19:54:06 GMT

I regret using the shopping cart trick as much as I did. I guess it was just the thrill of the pop up and basically the guarenteed approval that follows. I got myself more cards than I need/want and now my AAoA is suffering as well as my newly aquired credit column on my reports. I'd strongly suggest not using the shopping cart trick unless you really need the card...most of them are useless unless you shop with them frequently. There are however a few VISA's that could be helpful.

Re: What is the shopping cart trick?

mongstradamus — Wed, 28 May 2014 20:08:54 GMT

@PlasticOrPlastic wrote:
I regret using the shopping cart trick as much as I did. I guess it was just the thrill of the pop up and basically the guarenteed approval that follows. I got myself more cards than I need/want and now my AAoA is suffering as well as my newly aquired credit column on my reports. I'd strongly suggest not using the shopping cart trick unless you really need the card...most of them are useless unless you shop with them frequently. There are however a few VISA's that could be helpful.

I feel an lot of people try and get them when they are still in rebuilding phase, since they can't get approved for traditional credit cards. That is how it feels from what i have read. I don't shop at any of thsoe stores so it woudn't be smart for me to accept pre approvals

Re: What is the shopping cart trick?

PlasticOrPlastic — Wed, 28 May 2014 20:12:00 GMT

@mongstradamus wrote:
@PlasticOrPlastic wrote:
I regret using the shopping cart trick as much as I did. I guess it was just the thrill of the pop up and basically the guarenteed approval that follows. I got myself more cards than I need/want and now my AAoA is suffering as well as my newly aquired credit column on my reports. I'd strongly suggest not using the shopping cart trick unless you really need the card...most of them are useless unless you shop with them frequently. There are however a few VISA's that could be helpful.
I feel an lot of people try and get them when they are still in rebuilding phase, since they can't get approved for traditional credit cards. That is how it feels from what i have read. I don't shop at any of thsoe stores so it woudn't be smart for me to accept pre approvals

Thats what I did, low low low 600's nobody else looking my way so I app'd and app'd. Now I'm in the 700's and wishing I hadn't. Soon I'll be graduating and hopefully changing careers so maybe my express card will come in handy...

Re: What is the shopping cart trick?

mongstradamus — Wed, 28 May 2014 20:15:27 GMT

@PlasticOrPlastic wrote:
@mongstradamus wrote:
@PlasticOrPlastic wrote:
I regret using the shopping cart trick as much as I did. I guess it was just the thrill of the pop up and basically the guarenteed approval that follows. I got myself more cards than I need/want and now my AAoA is suffering as well as my newly aquired credit column on my reports. I'd strongly suggest not using the shopping cart trick unless you really need the card...most of them are useless unless you shop with them frequently. There are however a few VISA's that could be helpful.
I feel an lot of people try and get them when they are still in rebuilding phase, since they can't get approved for traditional credit cards. That is how it feels from what i have read. I don't shop at any of thsoe stores so it woudn't be smart for me to accept pre approvals
Thats what I did, low low low 600's nobody else looking my way so I app'd and app'd. Now I'm in the 700's and wishing I hadn't. Soon I'll be graduating and hopefully changing careers so maybe my express card will come in handy...

well hopefully you will learn from your mistakes :-)

Re: What is the shopping cart trick?

PlasticOrPlastic — Wed, 28 May 2014 20:21:38 GMT

@mongstradamus wrote:
@PlasticOrPlastic wrote:
@mongstradamus wrote:
@PlasticOrPlastic wrote:
I regret using the shopping cart trick as much as I did. I guess it was just the thrill of the pop up and basically the guarenteed approval that follows. I got myself more cards than I need/want and now my AAoA is suffering as well as my newly aquired credit column on my reports. I'd strongly suggest not using the shopping cart trick unless you really need the card...most of them are useless unless you shop with them frequently. There are however a few VISA's that could be helpful.
I feel an lot of people try and get them when they are still in rebuilding phase, since they can't get approved for traditional credit cards. That is how it feels from what i have read. I don't shop at any of thsoe stores so it woudn't be smart for me to accept pre approvals
Thats what I did, low low low 600's nobody else looking my way so I app'd and app'd. Now I'm in the 700's and wishing I hadn't. Soon I'll be graduating and hopefully changing careers so maybe my express card will come in handy...
well hopefully you will learn from your mistakes :-)

Oh I have and it wont happen again!

Re: What is the shopping cart trick?

wacdenney — Wed, 28 May 2014 20:36:41 GMT

Don't do it. It's fun then and there, but you'll regret it later.

I'm closing my Sportsman's Guide card soon. I never should have accepted it in the first place. Live and learn...

Re: What is the shopping cart trick?

mongstradamus — Wed, 28 May 2014 20:40:10 GMT

The only store card I ever applied for was Walmart because I wanted the free fico score ,nobody else offered it at the time,

Re: What is the shopping cart trick?

PlasticOrPlastic — Wed, 28 May 2014 21:02:40 GMT

@wacdenney wrote:
Don't do it. It's fun then and there, but you'll regret it later.

I'm closing my Sportsman's Guide card soon. I never should have accepted it in the first place. Live and learn...

+1,000,000!

Re: What is the shopping cart trick?

Creditaddict — Wed, 28 May 2014 21:43:55 GMT

the only card I regret getting is the Buckle... but I love store cards so I may be a little different then some but they can do a number on your AA depending and looks like you searching for a lot of credit which causes some issues even if you are not using them

Re: What is the shopping cart trick?

Ghoshida — Wed, 28 May 2014 21:48:00 GMT

I even opted out of pre-screening.

It was the brief period of my being opted in that saw a flurry of cards, from outright atrocities (like Credit One Platinum - that card looks good BTW) to pretty good ones (Freedom) and some in the middle (Slate). I'm happy about the Freedom, and kinda miserable about the Slate thing.

Only silver lining: Chase said they will do a no-hassle credit line merging once I pay down the Slate balance. Blech. I'll use the 0% APR for a while for the balance that I transferred.

No more distractions

Re: What is the shopping cart trick?

Anonymous — Wed, 28 May 2014 22:04:12 GMT

@wacdenney wrote:
Don't do it. It's fun then and there, but you'll regret it later.

I'm closing my Sportsman's Guide card soon. I never should have accepted it in the first place. Live and learn...

I think it depends on where you are in your credit history. Basically using this, in general, gives you low CL lines without an inq. If your credit history is good, you can almost certainly get cards with a much larger CL with a HP, so there is little point (IMO) in doing this. But if you have very few active lines, and your score is preventing you getting good cards, it might be worth taking the AAoA hit just to increase your overall CL and history. But! Don't go overboard, there is no need to take EVERY card that pops up!