GECRB - Dillard's Shopping Cart Trick

[Beautyandcredit]

Hellooo!

 

So I was shopping on the Dillard's website today and got the "pop-up" for Dillard's credit card after I entered my address and clicked next! I did NOT accept as it was only for $300 but had it been for the Amex version, I may have ... here is the screen shot.

 

Dillard's Card Application

Congratulations! You are pre-approved for a Dillard's Card!

Set up your account today and receive all the great benefits of the Dillard's Card.

 

NOT ME

Pre-Approved Credit Limit is: $ 300.00

APR for Purchases: 22.99%

APR is quoted as of: 07/06/2014

Important information: To see complete Terms, click here.

Top of Form

*

I opened & reviewed the Terms.

Bottom of Form

Offer number is:

This offer is good until: 09/04/2014

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE in the Terms for more information about prescreened offers.

[rickyrljr]

Very nice. I had no idea they did shopping card trick preapprovals? I wonder if there are any other stores that do this as well?

[evapor8ted]

Very interesting. I was not able to recreate the popup myself. Can't wait to see what other GE (Synchrony) stores start doing this.

 

Did the preapproval amount change if you had more stuff in your cart?

[shifter]

Have you guys been on the moon?

[ElGringo]

I got annoyingly declined for this card based on GECRB's inability to confirm my identity. Oddly enough, when I called for recon, they offered to have my hard pull removed, and that I should try in another 30 days.

[Beautyandcredit]

Very interesting. I was not able to recreate the popup myself. Can't wait to see what other GE (Synchrony) stores start doing this.

 

Did the preapproval amount change if you had more stuff in your cart?

 

Not sure if the amount would change although when I was placing my order I had $98 worth of stuff in my cart. Many have stated that they were not able to get the "pop-up" again if they did not accept it the first time. My TU FICO is at 681 right now.

[cv91915]

I wasn't aware of this: https://www.wellsfargo.com/press/2014/20140401_dillards-credit-card

[tzuk]

I got a pop up offer for a Dillards American Express. I turned it down. I also got a soft pull on Experian. I would not recommend accepting this offer unless Experian is frozen.

[cv91915]

I got a pop up offer for a Dillards American Express. I turned it down. I also got a soft pull on Experian. I would not recommend accepting this offer unless Experian is frozen.

I wouldn't recommend taking your next breath unless Experian is frozen.

[Second Chances]

I got a pop up offer for a Dillards American Express. I turned it down. I also got a soft pull on Experian. I would not recommend accepting this offer unless Experian is frozen.

What is wrong with a soft pull?

I wasn't aware of this: https://www.wellsfargo.com/press/2014/20140401_dillards-credit-card

There is an April 1st date on that news release...

[cv91915]

 

I got a pop up offer for a Dillards American Express. I turned it down. I also got a soft pull on Experian. I would not recommend accepting this offer unless Experian is frozen.

What is wrong with a soft pull?

I wasn't aware of this: https://www.wellsfargo.com/press/2014/20140401_dillards-credit-card

There is an April 1st date on that news release...

 

I got a pop up offer for a Dillards American Express. I turned it down. I also got a soft pull on Experian. I would not recommend accepting this offer unless Experian is frozen.

What is wrong with a soft pull?

I wasn't aware of this: https://www.wellsfargo.com/press/2014/20140401_dillards-credit-card

There is an April 1st date on that news release...

I don't get out much, and our only TV stopped working.

[tzuk]

 

I got a pop up offer for a Dillards American Express. I turned it down. I also got a soft pull on Experian. I would not recommend accepting this offer unless Experian is frozen.

What is wrong with a soft pull?

I wasn't aware of this: https://www.wellsfargo.com/press/2014/20140401_dillards-credit-card

There is an April 1st date on that news release...

 

If you accept the offer, there will be a hard pull.

[shifter]

No. Really no. What are you talking about?

[Second Chances]

The whole point of the shopping cart trick is to get a card WITHOUT a hard pull. What did your pop-up offer say?

 

 

I got a pop up offer for a Dillards American Express. I turned it down. I also got a soft pull on Experian. I would not recommend accepting this offer unless Experian is frozen.

What is wrong with a soft pull?

I wasn't aware of this: https://www.wellsfargo.com/press/2014/20140401_dillards-credit-card

There is an April 1st date on that news release...

 

I got a pop up offer for a Dillards American Express. I turned it down. I also got a soft pull on Experian. I would not recommend accepting this offer unless Experian is frozen.

 

 

What is wrong with a soft pull?

I wasn't aware of this: https://www.wellsfargo.com/press/2014/20140401_dillards-credit-card

There is an April 1st date on that news release...

I don't get out much, and our only TV stopped working.

I'm not saying its not true--I just found the date amusing.

[shifter]

Shopping cart = soft unless your credit is really in the toilet in which case the inq is the last thing you need to worry about

[tzuk]

Shopping cart = soft unless your credit is really in the toilet in which case the inq is the last thing you need to worry about

Soft on Comenity not necessarily on GECRB.

 

Probably a hard on GE.

[MommaE]

My Dillard's Amex was a hard on TU, not EX. Although, my approval was a cold app rather than a shopping cart pop-up.

[Occam]

 

Shopping cart = soft unless your credit is really in the toilet in which case the inq is the last thing you need to worry about

Soft on Comenity not necessarily on GECRB.

 

Probably a hard on GE.

 

Even if it costs a hard, which it probably won't, Synchrony (formerly GECRB) pulls TU almost exclusively.

 

Which practically amounts to a soft anyway.

[Occam]

Hellooo!

 

So I was shopping on the Dillard's website today and got the "pop-up" for Dillard's credit card after I entered my address and clicked next! I did NOT accept as it was only for $300 but had it been for the Amex version, I may have ... here is the screen shot.

 

Dillard's Card Application

 

Congratulations! You are pre-approved for a Dillard's Card!

Set up your account today and receive all the great benefits of the Dillard's Card.

 

NOT ME

Pre-Approved Credit Limit is: $ 300.00

APR for Purchases: 22.99%

APR is quoted as of: 07/06/2014

Important information: To see complete Terms, click here.

Top of Form

*

 

I opened & reviewed the Terms.

Bottom of Form

Offer number is:

This offer is good until: 09/04/2014

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE in the Terms for more information about prescreened offers.

Good information. The shop cart trick for Dillard's was not reliably confirmed before.

 

Anyone thinking about this should move fast, then jack up the CL ASAP via Synchrony's generous UWs before Wells Fargo takes over.

 

For someone looking to diversify their portfolio by adding a high CL tradeline with a different issuer (WF) this could be a good opportunity. Of course, for most, it won't be worth biting unless it the Dillard's Amex is offered.

[geekcub]

It wouldn't work for me....but I went ahead and tried it with my mom's name and address.

 

She got offered the AMEX version with $1200 CL.

 

She might've actually taken it if there was a Dillards near us....

[cv91915]

 

Hellooo!

 

So I was shopping on the Dillard's website today and got the "pop-up" for Dillard's credit card after I entered my address and clicked next! I did NOT accept as it was only for $300 but had it been for the Amex version, I may have ... here is the screen shot.

 

Dillard's Card Application

 

Congratulations! You are pre-approved for a Dillard's Card!

Set up your account today and receive all the great benefits of the Dillard's Card.

 

NOT ME

Pre-Approved Credit Limit is: $ 300.00

APR for Purchases: 22.99%

APR is quoted as of: 07/06/2014

Important information: To see complete Terms, click here.

 

 

Top of Form

*

 

I opened & reviewed the Terms.

 

Bottom of Form

Offer number is:

This offer is good until: 09/04/2014

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE in the Terms for more information about prescreened offers.

Good information. The shop cart trick for Dillard's was not reliably confirmed before.

 

Anyone thinking about this should move fast, then jack up the CL ASAP via Synchrony's generous UWs before Wells Fargo takes over.

 

For someone looking to diversify their portfolio by adding a high CL tradeline with a different issuer (WF) this could be a good opportunity. Of course, for most, it won't be worth biting unless it the Dillard's Amex is offered.

This could be the only way I'll get a > $1,000 limit from Wells Fargo without an Experian pull.

[ronsetoe]

It wouldn't work for me....but I went ahead and tried it with my mom's name and address.

 

She got offered the AMEX version with $1200 CL.

 

She might've actually taken it if there was a Dillards near us....

you filled out an app in another name?????????????? SP/HP is that not against the law?

[Second Chances]

 

It wouldn't work for me....but I went ahead and tried it with my mom's name and address.

 

She got offered the AMEX version with $1200 CL.

 

She might've actually taken it if there was a Dillards near us....

 

you filled out an app in another name?????????????? SP/HP is that not against the law?

I understood that to mean geekcub put stuff in the online shopping cart and started to check out with his mom's name and address. He didn't fill out an app and he didn't accept the approval. I don't see that being illegal (if he had actually opened the card without his mom's ok, that would be a different story).

[rickyrljr]

Yeah, the member said that the mom did not accept the offer so I assume his mom knew what was going on.

Edited July 8, 2014 by rickyrljr

[cv91915]

It wouldn't work for me....but I went ahead and tried it with my mom's name and address.

 

She got offered the AMEX version with $1200 CL.

 

She might've actually taken it if there was a Dillards near us....

If you ever get the Internet you can order things from www.dillards.com. People DO this.

 

I have a leather coat that I bought at a Dillards while on a business trip to Denver that turned unexpectedly arctic. The coat was like 375% off.

 

Point is you don't have to live near one to shop there.