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Applying at store for instant approvals

padme
Established Contributor

Applying at store for instant approvals

kind like the SCT, and thoughts? a couple years ago, i got a AMEX at Costco(probably shouldnt have gotten one,small limit) and a Sears citi card. anyone else do or try this intentionally?

Message 1 of 6
5 REPLIES 5
jamesdwi
Valued Contributor

Re: Applying at store for instant approvals


@padme wrote:

kind like the SCT, and thoughts? a couple years ago, i got a AMEX at Costco(probably shouldnt have gotten one,small limit) and a Sears citi card. anyone else do or try this intentionally?


I am pretty sure it will be HP, the shopping cart trick is the only reliable way of getting a new tradeline without a HP. 


Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 2 of 6
Nixon
Super Contributor

Re: Applying at store for instant approvals


@padme wrote:

kind like the SCT, and thoughts? a couple years ago, i got a AMEX at Costco(probably shouldnt have gotten one,small limit) and a Sears citi card. anyone else do or try this intentionally?


Better possibility of approval. Almost certainly an HP.

 

Gotta pay to play.

EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 3 of 6
Yes-Its-Me
Super Contributor

Re: Applying at store for instant approvals

Not worth it for the HPs..

Message 4 of 6
Vivacious10
Valued Contributor

Re: Applying at store for instant approvals

You have some solid prime cards in your line up. Why not grow their CL and/or apply for more prime cards with good rewards instead of getting store cards?

| Gardening goal: Jun 2016 Baby Steps | Sep 2015 scores EQ 639 TU 678 EX 653 | In the garden since 7/24/15 | Util 21% |
Message 5 of 6
padme
Established Contributor

Re: Applying at store for instant approvals

I was just posting this thought for others I guess thanks for replies
Message 6 of 6
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