***Annual whats your credit score thread***

Flu Game502

Flu Game502

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wongzini said:
What is the shopping cart trick? What’s the point?

Also get a discover secured card if you want to boost.
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There is something known as a “shopping cart trick” that can allow you to get store specific credit cards that don’t result in a hard pull on your credit report. Using this trick doesn’t result in a hard pull, it will still affect your credit as these cards are reported on your credit report (which will decrease your average age of accounts). There are a couple of rules we need to follow when trying to do this trick:

  • You need to be opted in for credit card promotional e-mails. You’re automatically opted in, so unless you have manually opted out you won’t need to do anything. I recommend being opted in anyway, you might receive a good targeted promotion if you are (here is how you can check for these offers).
  • Only works on cards issued by Comenity bank (and some cards issued by Synchrony & Wells Fargo)
  • Turn your pop up blocker off if you use one. A lot of the credit card offers pop up, if you have a pop up blocker then you might miss it.
  • If your asked for your full SSN, it might be a hard pull. Some of these websites ask for your full SSN when applying for the store cards, whilst others ask for your last four digits. If it asks for your full SSN it might be a hard pull so be careful. As always, your mileage may vary.
 
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