Shopping Cart Trick

[reg45man]

Just tried the shopping cart trick for the following cards 

Express (80 Dollars in cart )  = 250 limit 

King Size Platium ( 80 dollars in cart)  = 250 limit 

J crew  ( 75 dollars in cart) = 250 limit 

I tried the following biut did not work 

Overstock 

Victoria Secrets 

Big lots

You must go slow to allow the system to update. Also, you must be in privacy or incognita mode.  I'm in the rebuilding mode after chapter 7 discharge . So, ill take what i can get. 

Hop this helps. 

[Anonymous]

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@reg45man wrote:

Just tried the shopping cart trick for the following cards 

Express (80 Dollars in cart )  = 250 limit 

King Size Platium ( 80 dollars in cart)  = 250 limit 

J crew  ( 75 dollars in cart) = 250 limit 

I tried the following biut did not work 

Overstock 

Victoria Secrets 

Big lots

You must go slow to allow the system to update. Also, you must be in privacy or incognita mode.  I'm in the rebuilding mode after chapter 7 discharge . So, ill take what i can get. 

Hop this helps. 

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But did you get any HPs on these approvals? The SCT was to get the cards without a HP- if you get a HP then there is no trick...

[Anonymous]

I recently (this week) thought I successfully accomplished SCT for JCrew (500), HSN (1000) & QVC (1500.) Only to find out an hour later, Experian was pulled. 😒

A few data points: I live in Ohio. I have other, we-established Comenity cards with varied credit lines and no outstanding balances. I wasn’t really looking for additional credit (on purpose) but the offers were helpful for holiday shopping. I also received pop-ups for West Elm, NY&Co, WilliamSonoma and Ann Taylor (same day) but did not proceed.

[PRose123]

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@Anonymous wrote:

Sorry if it's a bit off-topic, but do store credit cards help your credit score differently than regular credit cards do? I see a lot of people here with store credit cards, I feel a bit out of the loop.

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The best reason for store cards is to decrease one's utilization percentage IMO. 🤗 My utilization rate would be 70% if it weren't for my store cards! Recently the sct cards have been being shut down or reduced so I've had to quickly pay down my Prime cards to maintain. 😳😭

[Aspireto850]

@Reg45man,

What do you mean by ‘privacy or incognito’ mode? Please expound.

Thanks

[Dilbert934]

I just tried Williams Sonoma.  Got the "Apply Now" but asked for full SSN

[Anonymous]

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@Aspireto850 wrote:
@Reg45man,

What do you mean by ‘privacy or incognito’ mode? Please expound.

Thanks

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If you use a Safari browser you can switch to “private mode”. If you use Google Chrome browser you can switch to “incognito mode”. 

It allows you to look up websites and search without storing the data on your phone or computer.

[AverageJoesCredit]

For what its worth, expect hard pulls with SCT now. Comenity has locked down on this very recently.

[Anonymous]

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@AverageJoesCredit wrote:
For what its worth, expect hard pulls with SCT now. Comenity has locked down on this very recently.

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+1 AJC. 

My my one and only time using the SCT was with Overstock. Ended up being HP to EX. Approved for $350. Yay! 😑

Ain’t nobody got time for that!

[Aspireto850]

@ wareagle1,

What’s the benefit as it relates to SCT?