cancel
Showing results for 
Search instead for 
Did you mean: 

Victoria's Secret Angel Card Approval (Shopping Cart Trick)

Highlighted
Established Member

Victoria's Secret Angel Card Approval (Shopping Cart Trick)

Hey everyone I'm pretty new here. I've learned a lot from you all, so many on here are very insightful. I don't have any store cards I use other than my Kohl's Card and the limit has been stuck at $300 for about two years so I thought to get a store card I'll use more often. Used the shopping cart trick and was pre-approved for $350 SL. Called before and after mini-app to make sure it was in fact a soft pull. First time ever trying the shopping cart trick was a success!

 

For reference if anyone is curious I have Credit One - $300 | Capital One (Platinum orignially, upgraded to Quicksilver) $850 | Kohl's Card $300 | OpenSky Secured CC $200 | NFCU Signature CashRewards $10K | Victoria's Secret $350. I have also been using the cheapest SelfLender option since October of 2017. I then have about $15,000 in Federal Student Loans (all in good standing) as I am not yet finished with college.

Credit One - $450 | Capital One QS One $850 | Kohl's Card $300 | OpenSky Secured CC $200 | Self Lender | NFCU Signature CashRewards 10K | VS Angel Card $350 | J. Crew Store Card $250 | NFCU Signature GoRewards 15K
Message 1 of 6
5 REPLIES
Established Contributor

Re: Victoria's Secret Angel Card Approval (Shopping Cart Trick)

CongratsSmiley Happy

 

With having NFCU I would dump credit one in a heartbeat.

Penfed gold
Penfed promise
NFCU cash rewards
NFCU Amex
Citi simplicity
Discover
Amex BCE
Amex Magnet
Amex SPG
Wayfair
Care credit
Macys
Amazon store card
Walmart store card

FICO EXP 728 TU 723 EQ 718
Message 2 of 6
Established Member

Re: Victoria's Secret Angel Card Approval (Shopping Cart Trick)


@Jnbmom wrote:

CongratsSmiley Happy

 

With having NFCU I would dump credit one in a heartbeat.


I am concerned about ruining my AAoA as I've had Credit One since 2016 and I have a very thin credit file (I started building credit right at 18 but I am currently only 21), do you think my AAoA will be spoiled by closing Credit One? I have a very thin file I have only been 18 since 2015. 

Credit One - $450 | Capital One QS One $850 | Kohl's Card $300 | OpenSky Secured CC $200 | Self Lender | NFCU Signature CashRewards 10K | VS Angel Card $350 | J. Crew Store Card $250 | NFCU Signature GoRewards 15K
Message 3 of 6
Frequent Contributor

Re: Victoria's Secret Angel Card Approval (Shopping Cart Trick)

Congrats OP. I luv my VS card. Started from $500, now $3100. I would never ever use it close to that limit. LOL. I request CLI every 2-3 months,  but since you just got approved, maybe better wait for 7-9 months for 1st request CLI.


Amex Platinum NSPL, Amex Everyday $12.3k - Amex SPG $9.5k - Aviator AA $6k - Barclay Rewards $2.5k - NFCU CashReward $25k - NFCU GoRewards $1k - Blispay $5k - Paypal Credit $6.3k - Citi Costco $5.5k - SAVOR $4.7K - Walmart Card $6k - Discover $4.8k - Victoria Secret $3.1k - Car Loan $9k - Student Loan $2k.
Message 4 of 6
Valued Contributor

Re: Victoria's Secret Angel Card Approval (Shopping Cart Trick)


@travelhopeful wrote:

Hey everyone I'm pretty new here. I've learned a lot from you all, so many on here are very insightful. I don't have any store cards I use other than my Kohl's Card and the limit has been stuck at $300 for about two years so I thought to get a store card I'll use more often. Used the shopping cart trick and was pre-approved for $350 SL. Called before and after mini-app to make sure it was in fact a soft pull. First time ever trying the shopping cart trick was a success!

 

For reference if anyone is curious I have Credit One - $300 | Capital One (Platinum orignially, upgraded to Quicksilver) $850 | Kohl's Card $300 | OpenSky Secured CC $200 | NFCU Signature CashRewards $10K | Victoria's Secret $350. I have also been using the cheapest SelfLender option since October of 2017. I then have about $15,000 in Federal Student Loans (all in good standing) as I am not yet finished with college.


Congrats!~

 

Image result for bank of america cash rewards
Message 5 of 6
Frequent Contributor

Re: Victoria's Secret Angel Card Approval (Shopping Cart Trick)


@travelhopeful wrote:

@Jnbmom wrote:

CongratsSmiley Happy

 

With having NFCU I would dump credit one in a heartbeat.


I am concerned about ruining my AAoA as I've had Credit One since 2016 and I have a very thin credit file (I started building credit right at 18 but I am currently only 21), do you think my AAoA will be spoiled by closing Credit One? I have a very thin file I have only been 18 since 2015. 


No, closing the card will not affect the AAoA calculation. Closed accounts continue to be factored into the AAoA calculation until the account falls off your report (typically at 10 years after closing the account).

EX 8: Jan 2018 - 546 | EQ 8: Jan 2018 - 571 | TU 8: Jan 2018 - 566
EX 8: Jul 2018 - 572 | EQ 8: Jul 2018 - 573 | TU 8: Jul 2018 - 578
TCL: $1,350 | AAoA: 7.9 yrs (I can thank my student loans for this) | Util: 63% (high due to charge-offs)
Cleaning up and rebuilding after a long hiatus from credit
Message 6 of 6