Tried the shopping cart trick, with mixed results...

Since I have a recently-added false collection on my credit report, any hard pull is going to result in an automatic denial. I'm working on getting that removed, but I also want to get some more trade lines added to my credit reports. TU is currently 615 and EQ is 624.  I had been reading up on the shopping cart trick on these forums (to get credit accounts with soft pulls) and decided to try a few different ones. Here's how it went.  1. Express: I actually shop at this store fairly frequently, and buy my business casual clothes there. I put a couple of pairs of jeans in my cart, and went to checkout. I entered my information, and immediately got the preapproval popup. I applied and got a $500 credit line. Not bad. Plus I saved 20% on my jeans, and got an additional $20 off. Created my account on Comenity's website, and hit the LUV button: 7-10 day message.  2. Overstock.com: This is the one everyone says to try first, because they give generous limits and automatic CLI's. I decided to be adventurous and put a $1,200 patio set in my shopping cart, to see if that would have any effect on the credit line. I went to checkout, entered my details, got the popup and applied. This time it was only a $250 limit. I created an account on Comenity's website, and hit the LUV button, but no luck. Another 7-10 day message. I can't find anything on the site for $75 or less (30% of the limit) that I want to buy right now. I'm a bit disappointed in the limit, but we'll see how it goes over time. 3. Sportman's Guide: There is nothing I'd buy on this website, but since it's a VISA card, no need to bother. I put a couple of items in my cart, proceeded to the checkout, and got nothing. I tried several times yesterday, clearing my browser history each time. Still nothing. Just for giggles, I had my partner, who has amazing credit, try it as well, and still no popup. This might be one that you have to checkout as a member instead of a guest.  4. Walmart: Backed by Synchrony (amazon.com store card), not Comenity. Heard that they have the shopping cart trick as well, so I decided to try it: No luck. Couldn't get the popup to come up, and there's no way to check out as a guest.  5. Dillards: Another shopping cart trick that is not a Comenity card, but is backed by Wells Fargo. Added some stuff to the cart, went to check out, nothing. I think this might be because I used to be a Dillard's employee several years ago, and you had to get a Dillard's credit card to get your employee discount. They would give you a prepaid version of it if you couldn't qualify for the real deal, and I think somewhere in the system I still have that prepaid card.  6. Kirklands: Another Wells Fargo card. I couldn't get the popup to come up here either. Then again, I don't have a local store, so it's not all that important to me. So my takeaway was two new tradelines and a $750 bump in overall credit lines. It's better than nothing! 

 DeeBee78 wrote:
Since I have a recently-added false collection on my credit report, any hard pull is going to result in an automatic denial. I'm working on getting that removed, but I also want to get some more trade lines added to my credit reports. TU is currently 615 and EQ is 624.  I had been reading up on the shopping cart trick on these forums (to get credit accounts with soft pulls) and decided to try a few different ones. Here's how it went.  1. Express: I actually shop at this store fairly frequently, and buy my business casual clothes there. I put a couple of pairs of jeans in my cart, and went to checkout. I entered my information, and immediately got the preapproval popup. I applied and got a $500 credit line. Not bad. Plus I saved 20% on my jeans, and got an additional $20 off. Created my account on Comenity's website, and hit the LUV button: 7-10 day message.  2. Overstock.com: This is the one everyone says to try first, because they give generous limits and automatic CLI's. I decided to be adventurous and put a $1,200 patio set in my shopping cart, to see if that would have any effect on the credit line. I went to checkout, entered my details, got the popup and applied. This time it was only a $250 limit. I created an account on Comenity's website, and hit the LUV button, but no luck. Another 7-10 day message. I can't find anything on the site for $75 or less (30% of the limit) that I want to buy right now. I'm a bit disappointed in the limit, but we'll see how it goes over time. 3. Sportman's Guide: There is nothing I'd buy on this website, but since it's a VISA card, no need to bother. I put a couple of items in my cart, proceeded to the checkout, and got nothing. I tried several times yesterday, clearing my browser history each time. Still nothing. Just for giggles, I had my partner, who has amazing credit, try it as well, and still no popup. This might be one that you have to checkout as a member instead of a guest.  4. Walmart: Backed by Synchrony (amazon.com store card), not Comenity. Heard that they have the shopping cart trick as well, so I decided to try it: No luck. Couldn't get the popup to come up, and there's no way to check out as a guest.  5. Dillards: Another shopping cart trick that is not a Comenity card, but is backed by Wells Fargo. Added some stuff to the cart, went to check out, nothing. I think this might be because I used to be a Dillard's employee several years ago, and you had to get a Dillard's credit card to get your employee discount. They would give you a prepaid version of it if you couldn't qualify for the real deal, and I think somewhere in the system I still have that prepaid card.  6. Kirklands: Another Wells Fargo card. I couldn't get the popup to come up here either. Then again, I don't have a local store, so it's not all that important to me. So my takeaway was two new tradelines and a $750 bump in overall credit lines. It's better than nothing!  $250 for Overstock, ouch that blows. Hope it grows if you decide to keep it. I tried the sc trick in November and I got the pop, entered my info and got approved for 2k. I registered for an online account right away and hit the luv button and got it increased to $2300. Haven't had much success getting an increase since. My DW tried it this week and she also got the pop up and got approved for $2000. She registered online and hit the luv button and got it bumped to $2200 hit it again and got the 7-10 day message. About Sportsman guide I have tried it constantly and never get the pop up and neither has my DW gotten the pop-up so it seems our reports don't fit their criteria because my sister tried it and she got the pop up and so did one of my uncles.

Similar Messages

  • What was your credit score when you did the shopping cart trick?

    Hey everyone! I have removed all but  two charge-offs and am paying monthly payments on one of those(Springleaf). My credit score is still terrible....a whopping 505....but, by removing 4 charge-offs it brought it up 36 points. It was 469. Gotta start somewhere. Lol. I have been reading about the shopping cart trick and wanted to ask y'all what was your credit score at when you succeeded? I have two judgments that I will file a Motion to Vacate this fall when I have them paid in full. Thank you very much. :-)

    Tietza wrote:
    Hey, SandiBeach22! I looked at your siggy and I am only seeing.... TOTAL CREDIT LINES: $166,750.00
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    NEW_ITEM-NEW_ITEM-LEADTIME==1
    NEW_ITEM-VENDOR==
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    NEW_ITEM-MANUFACTCODE==
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    u201CTechnical Settingsu201D field
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    That means that we are not maintaining material numbers in SRM, so there are no predefined price or info records for that materials in R/3 system, or in SRM.
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    Desi

  • Fell beside the garden with the shopping cart trick. Ah well.

    I had NO intention whatsoever of opening another account, as I really do have what I need for now. But all those pretty little things at VS got me and then they told me I was an Angel and offered me a preapproval when I went to pay, and from there I was shopping on the last day of the semi-annual sale with a new account to go along with deeply discounted bras and free shipping.  Granted, I did think it through when I got the pop-up, and I know this isn't a card that will get much use as I only shop there during the semi-annual or other really good deals but I think the Comenity cards grow quickly and the VS point/reward system is pretty good. Also, I don't plan on ceasing to wear nice underwear anytime soon so I didn't have to twist my arm much to accept the offer lol SN: This was my first ever pop-up as I just started my credit rebuilding journey in Jan. of this year, so it did feel really good to see that I'm making enough progress for banks to notice. I'll be paying this bill as soon as I receive my card in a week or so and heading back into the garden!'

    Vulcan1600 wrote:
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  • Shopping cart trick work for you?? Please add to list!

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    stefnian0426 wrote:
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  • NEW UPDATED LIST for Comenity Bank Store Cards- can be useful for Shopping cart trick

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    missjae wrote:
    The_Credit_Guy wrote:
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  • What's this Shopping Cart Trick I here of?

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    designated_knitter wrote:
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    Hello,
    Can anyone please help me with this?
    Currently we are on SRM 5.0 with extended and connected to one backend system. Everything works good. Now we are trying to connect another backend system to SRM. The situation is that we have made the same copy of our backend and using it as another backend system. Both backends will have the same product categories, purchasing organization. We are using BADI to determine the backend system based on company code. When I change the company code backend system for the user in org strcuture, the same company code do not show up in the shopping cart list while creating.
    We have made most of the org structure changes, but still I am not able to find the exact reason why the company code is not coming in the list. Can anyone please help?
    Thank you
    Kishore

    Hi Kishore
    Whaever you have inherited in the Attribute  BUK or Function tab , you can receive that comapany code in the shopping cart.
    all sc value comes from Org structure.
    run bbp_check_consitency for your user SC.
    however now your landacape is equivalent to two ECC and one SRM systems.
    Muthu

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