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Overstock Shopping Cart Trick - Approved

mykeys
Valued Member

Re: Overstock Shopping Cart Trick - Approved

Got my card in the mail today and requested a CLI. Instant approval of an $800 increase bringing the account to $1850. When I say instant, literally the second I clicked the button, so I can't imagine they would have had time to review an HP.
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Message 11 of 21
Mcx990
Established Member

Re: Overstock Shopping Cart Trick - Approved

I'm happy to say I used this trick, ordered about $80 worth of tools and got instant approval for a $500 line. Not much, but this will be my second accout to rebuild. And I'll be trying for a CLI some time in the future like you mentioned.

 

Other credit account: Credit One - $450 line (5% util)

TU Score - 597

Message 12 of 21
BallBounces
Valued Contributor

Re: Overstock Shopping Cart Trick - Approved


@Mcx990 wrote:

I'm happy to say I used this trick, ordered about $80 worth of tools and got instant approval for a $500 line. Not much, but this will be my second accout to rebuild. And I'll be trying for a CLI some time in the future like you mentioned.

 

Other credit account: Credit One - $450 line (5% util)

TU Score - 597


Nice.  Let us know if that SP turns in to a HP.

050719:     
032422:     



FICO 08 scores listed and are stagnated until multiple derogatory items expire in a few years.
Message 13 of 21
BallBounces
Valued Contributor

Re: Overstock Shopping Cart Trick - Approved

 

What does this language mean.  I don't think I have seen this before and might have to test it ....:

You're preapproved!
Take up to 24 months special financing with the Overstock Store Credit Card.
050719:     
032422:     



FICO 08 scores listed and are stagnated until multiple derogatory items expire in a few years.
Message 14 of 21
ImTheDevil
Super Contributor

Re: Overstock Shopping Cart Trick - Approved

Likely similar to what I have with Wayfair - above a certain purchase price (WF is $500), they give you 0% for a period of time to pay it off.
Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)


Message 15 of 21
BallBounces
Valued Contributor

Re: Overstock Shopping Cart Trick - Approved

I meant that I have never seen an ad like that on Overstock - indicating preapproval before even starting the check out process.  It said "click to accept".  Not even an SCT really.

050719:     
032422:     



FICO 08 scores listed and are stagnated until multiple derogatory items expire in a few years.
Message 16 of 21
Mcx990
Established Member

Re: Overstock Shopping Cart Trick - Approved


@Mcx990 wrote:

I'm happy to say I used this trick, ordered about $80 worth of tools and got instant approval for a $500 line. Not much, but this will be my second accout to rebuild. And I'll be trying for a CLI some time in the future like you mentioned.

 

Other credit account: Credit One - $450 line (5% util)

TU Score - 597


Checked EXP - they did both SP and HP at the same time. No pulls showing up on TU or EQ.

Message 17 of 21
FireMedic1
Super Contributor

Re: Overstock Shopping Cart Trick - Approved


@Mcx990 wrote:

@Mcx990 wrote:

I'm happy to say I used this trick, ordered about $80 worth of tools and got instant approval for a $500 line. Not much, but this will be my second accout to rebuild. And I'll be trying for a CLI some time in the future like you mentioned.

 

Other credit account: Credit One - $450 line (5% util)

TU Score - 597


Checked EXP - they did both SP and HP at the same time. No pulls showing up on TU or EQ.


Sorry about the HP. No trick again. Smiley Mad I'll add it to my thread in applications.





Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 18 of 21
GApeachy
Super Contributor

Re: Overstock Shopping Cart Trick - Approved


@BallBounces wrote:

 

What does this language mean.  I don't think I have seen this before and might have to test it ....:

You're preapproved!
Take up to 24 months special financing with the Overstock Store Credit Card.

Did you test it?

"My Take Home Pay Don't Take Me Home"
Message 19 of 21
GApeachy
Super Contributor

Re: Overstock Shopping Cart Trick - Approved


@mykeys wrote:
Got my card in the mail today and requested a CLI. Instant approval of an $800 increase bringing the account to $1850. When I say instant, literally the second I clicked the button, so I can't imagine they would have had time to review an HP.

I wish I had waited for my card like you.  When I got my UltamateMC I waited 2 days, called in and asked for a cli, csr even told me it could be a HP but no way to know for sure so I asked her to pull the trigger.  Immediately after she did my phone dinged me, HP (notified by Trustedid)...kicking myself for that, esp. cause the answer was a "No".

"My Take Home Pay Don't Take Me Home"
Message 20 of 21
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