List Of Shopping Cart Trick Credit Cards

[silverzgirl]

---

@mongstradamus wrote:

I have failed an number of times thru j crew also, if i were i would check and make sure you haven't opted out of getting the sp pre qualified offers. 

---

J. Crew denied me about 11 times. They approved my bestie.

I am not opted out; otherwise I would not be inundated with insurance company mailings, Cap1's Orchard version card, and OneMain "you can get 6K immediately (at 36 % apr) if you come to our location now."

I am also the only person to whom NFCU gives no love, maybe Comenity has followed it.

[mongstradamus]

---

@silverzgirl wrote:

---

@mongstradamus wrote:

I have failed an number of times thru j crew also, if i were i would check and make sure you haven't opted out of getting the sp pre qualified offers. 

---

J. Crew denied me about 11 times. They approved my bestie.

I am not opted out; otherwise I would not be inundated with insurance company mailings, Cap1's Orchard version card, and OneMain "you can get 6K immediately (at 36 % apr) if you come to our location now."

I am also the only person to whom NFCU gives no love, maybe Comenity has followed it.

---

Well i am in the same boat as you , i guess all we can do is just wait and try again later. 

[silverzgirl]

HSN did not show love either. Add them to the list.

Guess soft pulls are not meant to be when trying to get usage down. That is my biggest issue. Prior balance chasing killed me, as did closing accounts.

I guess will just have to keep plugging away on payments and hope one day they make a noticeable dent.

[mongstradamus]

I also noticed that Jcrew in particular usually pulls experian for SP. For me somehow my experian fico score is 80 points lower than my TU and EQ, according to MYfico pulls. Maybe that has something to do with it, who knows :-)

[silverzgirl]

EX is my worst of the three, per Sesame. I have two baddies showing unpaid balances, though I got to pay taxes thanks to their 1099Cs. They insist they are still owed. I bet the IRS will differ....

[mongstradamus]

---

@silverzgirl wrote:

EX is my worst of the three, per Sesame. I have two baddies showing unpaid balances, though I got to pay taxes thanks to their 1099Cs. They insist they are still owed. I bet the IRS will differ....

---

Well that is an bummer, but that may be why we are having trouble getting popups for jcrew and the other places that offer softpull credit. Experian tells me i don't have any credit cards reporting , but it also shows that i have 5 different cards open so i don't know what can really do about that.

[Anonymous]

I have to agree with others on the problem being our EX scores. I got preapproved for JCrew, Buckle, Ann Taylor, but none of the others. My theory is that the ones I was preapproved on, were SP'd from either EQ or TU. My EX score is way lower than my others. I really want HSN, VS, Sportsmans Guide, but get no popups.

[Anonymous]

VS SPd my EX for pre-approval. I'm in SoCal

[Anonymous]

What score is needed to typically be pre-approved for store cards?

[kalani91]

I want a eddie baur card , my AAoA is 2.5. I hope it wouldn't hurt much