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Shopping Cart Trick

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Anonymous
Not applicable

Re: Shopping Cart Trick

The amount in parentheses is how much I was approved for. I put maybe $100-200 worth of stuff in my cart before I was preselected.

Message 11 of 66
pizza1
Community Leader
Super Contributor

Re: Shopping Cart Trick


@Anonymous wrote:

The amount in parentheses is how much I was approved for. I put maybe $100-200 worth of stuff in my cart before I was preselected.


Sorry, I was asking OP that question. 

Message 12 of 66
Anonymous
Not applicable

Re: Shopping Cart Trick

I just closed Kay Jewlers
Message 13 of 66
aircobra
Regular Contributor

Re: Shopping Cart Trick

Now I am worried I have too many (opened 6 in a week or so timeframe). I don't want to close any of them because they're only a month old.

Currently rebuilding:
1/18 -
7/19 -

Message 14 of 66
Anonymous
Not applicable

Re: Shopping Cart Trick


@AverageJoesCredit wrote:
Thats the key with Comenity, if you want majors you have to play it safe. I understand they have some good majors with some nice Bt offers but too much uncertainty in even if you get a major how many store cards can one mix in without shutdown. Too many eggshells for me lol

AJC, You always explain things very sarcastic but I think it helps calm folks good job. Smiley Wink

Message 15 of 66
SunriseEarth
Moderator Emeritus

Re: Shopping Cart Trick


@aircobra wrote:

Now I am worried I have too many (opened 6 in a week or so timeframe). I don't want to close any of them because they're only a month old.


What's done is done.   There's no need to close anything, but you may want to slow down, treat your accounts well and let them age.

 

Also, make sure what you have fits your needs.   Getting something just because you can isn't a great idea.   That's how I got a Victoria's Secret card during my rebuild (I only ever used it at BBW).   Also I don't recommend redundant shopping cart cards.   Since Jessica London and Full Beauty are the same company and share the same rewards structure, there isn't a need to spend on both; you could use one and then SD the other.    



Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | Venmo VS $30000 | Cash+ VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 | Synchrony Premier $24,200 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Jared Gold Card $19000 | Citi Custom Cash MC $16600 | Freedom Flex WEMC $16500 | Amazon VS $15000 |Target MC $14500 | BMO Harris Cash Back MC $14000 | Belk MC $10000 | Sephora VS $6900 | Wayfair MC $4500 | ~~
Message 16 of 66
AppHappyTog
Regular Contributor

Re: Shopping Cart Trick


@aircobra wrote:

Now I am worried I have too many (opened 6 in a week or so timeframe). I don't want to close any of them because they're only a month old.


Yeah, that’s a lot in a short period of time. Even if that didn’t give you hard pulls it still flags you as looking quite desperate for credit to other lenders. Since they’re already open you might as well let them hang out for a bit and give you some positive payment history. I plan on closing quite a few of mine out once they hit one year old. 



Current Scores 4/18: EQ8 645/EQ9 686/TU 664/EX 682
Starting Scores 10/17: EQ 590 /TU 592/EX 560
AAoA: 3y6mo
Message 17 of 66
Anonymous
Not applicable

Re: Shopping Cart Trick


@AverageJoesCredit wrote:
Yeah, sometimes we learn too late with Comenity or perhaps Synchrony by gobbling up all the goodies too fast. In that regard, they are slick as normally all the places people like to shop end up being Sync or Comenity.

Im down to 2 , PayPal Credit, which is hidden, and Zales but with no one to buy for, lol, that may be the next to goSmiley Wink.

AJC maybe you should go out more often.lol If you do take the Zales with ya

Message 18 of 66
Anonymous
Not applicable

Re: Shopping Cart Trick

Can u do mines
Message 19 of 66
Brian_Earl_Spilner
Credit Mentor

Re: Shopping Cart Trick

Feel bad for the OP. They were just posting their results and everyone scared them.

    
Message 20 of 66
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