NOT that I am looking mind you, but is that part of the "shopping cart trick"? I was on last night and after I plugged in my address a pop up came up for the VISA card...it said apply BUT did not say pre-approved....I have been on the site before and never got the pop up for applying for their VISA card....I assume it would be a hard pull??
Hey odd_dog!
The shopping cart trick typically applies to vendors that use Comentiy Bank as the backer of their CCs. The Sonoma CC is backed by Barclays. I'm guessing that it's not a pre-approval using a SP to your CRs but more of an ad to get you to apply. If you do intend to apply for this offer- expect a HP to your TU report. Barclays HPs for everything unless it's an Auto CLI.
. That's my best guess in answer to your question and hope this helps.
The shopping cart trick typically applies to vendors that use Comentiy Bank as the backer of their CCs. The Sonoma CC is backed by Barclays. I'm guessing that it's not a pre-approval using a SP to your CRs but more of an ad to get you to apply. If you do intend to apply for this offer- expect a HP to your TU report. Barclays HPs for everything unless it's an Auto CLI.
. That's my best guess in answer to your question and hope this helps.
Starting Score: 642Thanks that does help improvingmycredit (I love your tag sounds like a website improvingmycredit.com!!!) I went back and looked that it was a Barclay card and yes it did not say pre-approved so probably just an ad....I will not leave the garden, for fear certain people would lock me up if I apped again!! LOL
thanks again great answer, and helpful about the Comentiy bank, I think they are the ones backing my BillMeLater account.
lol- thanks! If I could change my name- I would. Try typing it on a smartphone over and over again. 
You have a great set of cards with great limits. Well done! I was worried about Comentiy taking over BML because I like having the hidden tradeline. So far so good- they haven't reported to the CRAs yet.
You have a great set of cards with great limits. Well done! I was worried about Comentiy taking over BML because I like having the hidden tradeline. So far so good- they haven't reported to the CRAs yet.
@improvingmycredit wrote:
lol- thanks! If I could change my name- I would. Try typing it on a smartphone over and over again.
You have a great set of cards with great limits. Well done! I was worried about Comentiy taking over BML because I like having the hidden tradeline. So far so good- they haven't reported to the CRAs yet.
I have not seen anything on BML on my reports either (fingers crossed). Thanks it took me almost 30 years to get here and that was learning about cc on the STREET!! LOL Thanks to all on this forum I am getting better at understanding this all, I must say I do notice the more you stay with a cc company (bank) the more they "love" you. Noticing all the "churners" that just want points or bonuses and then wonder why banks sometimes deny them. If your with a bank long enough they will do pretty much anything for you.....YMMV but that is what I have noticed.....
