So Doctor of Credit wrote a post recently about applying for credit cards using a ‘shopping cart trick.’ Basically it allows you to apply for credit cards without a hard pull. This is great for people with new/bad/little credit to help them build credit, but why I am interested in this is not because I shop at Victoria’s Secret, but because you can use Evolve to pay department store charge cards.
Anyway, I tried to get the Dillard’s AMEX card, which I still am eyeing since it’s no annual fee and eligible for a lot of AMEX offers. I could’t get the Dillard’s popup, so I gave up on it for now. However, from my limited research, Victoria’s Secret seemed to be the easiest to get. So I went out to VS.com and put some pajamas in my cart. I then proceeded as a guest checkout. After I entered in my billing information and before I entered in any credit card information, I got the popup. I was offered a $1K line of credit. I clicked through, and it was possibly the easiest and fastest credit card signup of all time. It only asked for the last 4 digits of my ssn and something else that I forgot because it went by so fast. After I hit submit, it notified me that I was approved for the $1K credit line. It sent me back to my cart where it wanted me to complete my pajamas checkout with the new card. I just closed out of the window because I only wanted the card; not the actual pajamas. Don’t tell my wife. An additional bonus was that there was something like a $15 signup bonus. Sure, I’ll take free money and thousands of miles per year, all for a soft credit pull.
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