Victoria's Secret Store Card- Help!

Anonymous · ‎04-23-2016

When you apply for the Victoria's Secret Credit Card is it a soft or hard pull? I can't get the shopping cart trick to come up so I am considering applying. Also, does any one know which credit bureau they pull from if it is a hard pull?

Thank you!

datrucking210 · ‎04-23-2016

Pretty sure it will be a hard pull if you apply. If it wasn't then why do a shopping cart trick.

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

Ebates Visa SL $3,200 to $20,000, 25.24%

NFCU Cash Rewards Visa Signature SL $15,300 to $18,000, 14.90%

Lowe's Store Card SL $500 to $5,000 to $17,000, 24.90%

RBFCU Premier Rate Mastercard SL $15,000, 9.95%

Sam's Club Mastercard SL$3,600 to $10,000 to $15,000, 23.15%

Stash Hotel Rewards Visa SL$3,000 to $15,000, 16.24%

J Crew Store Card SL $250 to $4,450 to $12,450

Generations FCU Earned Premium Rewards Visa Siggy SL $7,000, 9.25%

Amazon Store Card SL $600 to $3,500 to $4,000 to $6,000

Citi AAdvantage Platinum Select World Mastercard SL $5,000

JCPenney Store Card SL $500 to $3,500 to $5,000

PenFed Platinum Rewards Visa Siggy SL $5,000, 17.99%

Overstock Store Card SL $2,200 to $3,700

Kohl's Store Card SL $400 to $700 to $1,500 to $2,500 to $3,000

Barclays Rewards Mastercard SL $750 to $1,500 to $2,050

Victoria Secret Store Card SL $500 to $2,000

Lenovo Preferred Store Card SL $1,200 to $1,600

Barclays NFL Extra Points Visa SL $500 to $1,400

BankAmericard Cash Rewards Visa SL $500 Secured Don't Judge, wanted in with BofA and was offered this after being declined

RBFCU Cashback Rewards Mastercard SL $1,000

AU:

Walmart Mastercard SL $1,800 to $2,600 to $8,000

Barclays Rewards Mastercard SL $2,500 to $3,500 to $4,450

Anonymous · ‎04-23-2016

From what I have read the shopping cart trick is a soft pull.

Anonymous · ‎04-23-2016

@Anonymous wrote:
From what I have read the shopping cart trick is a soft pull.

Yes, but that is like receiving a pre-screened offer. Even if you do get the shopping cart (which is how I got the card, and I didn't even know that was a thing at the time lol), when you complete and process the application, it WILL hard pull (TU I believe).

Anonymous · ‎04-23-2016

Since you are not using the SCT, it will be a hardpull. They usually pull EQ for it but you can also check the credit pull database to see what is pull for your state/region.

Anonymous · ‎04-23-2016

@Anonymous wrote:
@Anonymous wrote:
From what I have read the shopping cart trick is a soft pull.
Yes, but that is like receiving a pre-screened offer. Even if you do get the shopping cart (which is how I got the card, and I didn't even know that was a thing at the time lol), when you complete and process the application, it WILL hard pull (TU I believe).

Pragmata, if you get the SCT to work it is a SP, UNLESS you are applying for a Comenity MC/Visa, those are now HP!

Anonymous · ‎04-23-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
From what I have read the shopping cart trick is a soft pull.
Yes, but that is like receiving a pre-screened offer. Even if you do get the shopping cart (which is how I got the card, and I didn't even know that was a thing at the time lol), when you complete and process the application, it WILL hard pull (TU I believe).
Pragmata, if you get the SCT to work it is a SP, UNLESS you are applying for a Comenity MC/Visa, those are now HP!

Really? I could have sworn it was a HP when it processed- However, that was a while ago, and I could be wrong? Sorry!

datrucking210 · ‎04-23-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
From what I have read the shopping cart trick is a soft pull.
Yes, but that is like receiving a pre-screened offer. Even if you do get the shopping cart (which is how I got the card, and I didn't even know that was a thing at the time lol), when you complete and process the application, it WILL hard pull (TU I believe).
Pragmata, if you get the SCT to work it is a SP, UNLESS you are applying for a Comenity MC/Visa, those are now HP!
Really? I could have sworn it was a HP when it processed- However, that was a while ago, and I could be wrong? Sorry!

The sct for this card was a soft pull for me and so were the other store cards I got from comenity using the SCT. I don't get pop ups for the ones that have Visa/MC products which those do seem to end up in being hard pulls.

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

AU:

Anonymous · ‎04-23-2016

@Anonymous wrote:
When you apply for the Victoria's Secret Credit Card is it a soft or hard pull? I can't get the shopping cart trick to come up so I am considering applying. Also, does any one know which credit bureau they pull from if it is a hard pull?

Thank you!
VS was a SCT card for me and it was an EQ soft pull.

thummel · ‎04-23-2016

Worst case scenario is plan for a HP. Sct is normally a soft pull but you never know until you do it yourself.