your full SSN when applying for the store cards, whilst others ask for your last four digits. Why Is This Useful? Thanks to PFDigest Myfico forums for continually making me aware of this trick. Because they dont do a hard pull on your credit report, they will not be able to see if you have any bankruptcies on file or other derogatory items. The trick wont work 100 of the time, so if you dont see a pre-approved offer dont stress out, just try again in a few weeks and hope for the best.
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If youve gotten the shopping cart trick to work on any other cards then please let me know. Its not unusual to see stores offering a 10 statement credit to use the card for example. Join their loyalty program (some people find more success skipping this step and just checking out as a guest). Only works on cards issued. As always, your mileage may vary. You might be able to get higher limits on these cards by adding a lot of items (e.g several thousand) to your shopping cart before trying this trick.
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