Shopping Cart Trick Question - NY&C

[Striker1]

The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull? 

[Anonymous]

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@Striker1 wrote:

The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull? 

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I'm curious of what you are asking... I have a NY&C card too. I've been trying to get a credit line increase for a month and nothing yet. Can you explain your question?

[ErikaC1]

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Striker1 wrote:

The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull? 

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This happened to me with the Express Card which is through the same bank. I did the shopping card trick, got the pop up but got the 7-10 day message. I did get a letter in the mail to call in to verify my identity. After that I was approved. Good luck! 

[Anonymous]

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@ErikaC1 wrote:

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@Striker1 wrote:

The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull? 

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This happened to me with the Express Card which is through the same bank. I did the shopping card trick, got the pop up but got the 7-10 day message. I did get a letter in the mail to call in to verify my identity. After that I was approved. Good luck! 

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What's the shopping cart trick? Is it a SP or HP?

[woodsie1]

They may need to verify her information. Good Luck!

[ErikaC1]

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Jdana70 wrote:

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What's the shopping cart trick? Is it a SP or HP?

When you are going through the checkout process and an offers pops up saying you are prequalified for the merchant's credit card, pre-screened offer. Most people are approved instantly. I always have to verify something, never happens for me unfortunately. Should be soft pull unless they come back with the 7-10 waiting message and you get some sort of letter requiring some verification. They might have to do a hard pull. It all depends on the individual. 

[woodsie1]

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@Anonymous wrote:

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@ErikaC1 wrote:

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@Striker1 wrote:

The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull? 

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This happened to me with the Express Card which is through the same bank. I did the shopping card trick, got the pop up but got the 7-10 day message. I did get a letter in the mail to call in to verify my identity. After that I was approved. Good luck! 

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What's the shopping cart trick? Is it a SP or HP?

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The shopping cart trick has been explained in depth throughout the forum.  You can do a quick search and find tons of info on it.  It is usually a SP with the exception of comenity visa or mastercard cc's

[Anonymous]

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@woodsie1 wrote:

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@Anonymous wrote:

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@ErikaC1 wrote:

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@Striker1 wrote:

The wife got the popup for the NY&C card, asking only for last 4-digits. She applied and got the "under review" message. Does this mean it will result in a hard instead of a soft pull? 

---

This happened to me with the Express Card which is through the same bank. I did the shopping card trick, got the pop up but got the 7-10 day message. I did get a letter in the mail to call in to verify my identity. After that I was approved. Good luck! 

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What's the shopping cart trick? Is it a SP or HP?

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The shopping cart trick has been explained in depth throughout the forum.  You can do a quick search and find tons of info on it.  It is usually a SP with the exception of comenity visa or mastercard cc's

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Thanks, I'll search the forums.