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Monday, November 30, 2015

Immediate Credit Approval Even With Not So Great Credit

Image result for easy credit approval
So with the holidays right around the corner, I’m sure there are at least one or two people you would like to buy something nice for.  Your parents, spouse/partner, kids - hell even yourself.  But if you’re like most of us, money is tight - bills don't stop because of the holidays and the gas company, light company, and landlord or mortgage company definitely expect to get paid on-time.

This year instead of making payment arrangements and being hit with several large payments in January that will leave you broke, disgusted, and not an ounce of holiday cheer left, why don’t you try to get a credit card so you can buy now and pay over time.

I’m not talking about going out  on a shopping spree, but using the Shopping Cart Trick may get you automatically approved online and you can shop once approved.  You don’t have to wait 7-10 days for your credit card and your credit doesn’t get a hard inquiry either.

So what is this Shopping Cart Trick you ask?

This little trick allows you to be approved for many of the popular retail stores, online, in a matter of minutes, and without a ding on your credit report.  Stores like Ann Taylor,  J Crew, Victoria Secret,  Express, New York & Co. -- the list goes on and on. Keep in mind, not all stores offer this, pop up approval option.

So how it works is first you sign up to receive e-mail offers for the store.  Next you put something in your cart to make a purchase.  As you go through the process, but before the checkout, you will see a pop-up saying, “You’ve been approved for $xxx.”  You can then continue on with the purchase or back out of it and save it for another time, or make no purchase at all.  Your card will be on its way to you.

It’s very important to note that this will not work for everyone.  If your credit is horrible, so are your chances of being approved.  However, because it’s a soft pull on your credit report and they can’t really see how awful your credit really is, you might get the pop-up approval.  Victoria Secret is a pretty easy one to try.

Check it out and let me know how it works for you.  Remember, don’t go crazy -- and pay your bills on time to avoid the credit card debt cycle that many people fall into. 

§  Bath & Body Works *You can use your Victoria's Secret credit card at Bath & Body Works
§  Buckle
§  Express
§  Gamestop
§  HSN (you need to go to the every end of the check out process before it’ll appear)
§  J.Crew
§  JJill
§  Loft
§  Overstock (While it does ask for your full SSN, it should still be a soft pull). This card usually gives a                  nice high limit and automatic credit limit increases are regular.
§  PacSun
§  Romans
§  Venus

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