shopping cart trick question

[washington12]

Is bed bath and beyond one the stores for the trick? i've tried it over and over and nothing, but when i try victoria secret i get a 750$ offer everytime. Are there any that give you a card you can use at other stores? 

[austinguy907]

It looks like they should fall under that catagory for a SCT

https://d.comenity.net/bedbathandbeyond/

Do you really want to clutter yourself with store cards though?

[washington12]

Well bed bath and beyond is an actual place I shop enough at to bother with it, however I figure if I can escape with a soft pull vs hard pull why not take advantage.

[austinguy907]

It's your decision but, keep in mind if they approve for the V/MC side of the house you'll end up with a HP as documented here on MF.

What do you currently have in your wallet?

I skimmed through some of your other posts and see you're 21 and were looking into mortgages at one point..... 

[Anonymous]

FYI they don't offer this credit card anymore

[austinguy907]

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@Anonymous wrote:
FYI they don't offer this credit card anymore

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I was going to see I didn't see an APP link anywhere and even setup an online account with some items in cart to test it since I get pop-ups with most Comenity based cards.

[washington12]

Amex everyday, blue sky, hilton honors. Citi double cash, and thank you premier. Capital one venture one and quicksilver. 1k, 10k, 1k. 1.2k, 3.2k. 12.5k, and 6.5k in that order if that makes sense. Yeah me and my wife were curious, but figured saving would be better than a mortgage, her parents were lucky enough to buy a house outright and they pretty much convinced us that would be much better than making payments. What's in your wallet?

[austinguy907]

Yeah, with what's in your wallet I wouldn't chase after store cards at this point.  No need for them and the damage they can do by reducing your AAoA and the tiny limits they offer most of the time.  Concentrate on growing limits instead of apping and you'll be in a great place in no time flat.

AMEX - $50K

Discover - $36K

JFCU - $29K

Sam's MC - $25K

ITCU - $17K

Consumers CU - $17K

UFCU - $17K

Macy's AMEX - $10K

Chase - $5.5K

Cap1 - $1500

Chase / Cap1 were both aquired from other banks during the 2008 consolidation and don't get used at this point other than for the free monthly scores and aging of my reports due to the amount of time they've been open.  I can't remember which of the 2 is the oldest open account though without looking it up.

While saving up for a house is a novel idea it's also good to keep a liquid balance and just make payments instead of PIF on property.  Though it would be nice to not have the payments it does keep things fresh on the reports.  The interest the first couple of years is kind of high but, you do get a write off on your taxes in addition to the write off you get on your annual property taxes as well.  There are some significant financial perks to owning vs renting.  Plus as you make payments you're "saving" in the form of Equity!

[Anonymous]

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@austinguy907 wrote:

I skimmed through some of your other posts and see you're 21 and were looking into mortgages at one point..... 

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That's not creepy..

I kid I kid