The Shopping Cart Trick is known as a method to receive credit cards without a result of a hard pull against your credit. This may be valuable to you if you are trying to earn cash back bonuses but are limited on credit cards.
However, you should be aware that since you are adding a lot of credit cards to your arsenal, your average age of credit card accounts will be decreased which will affect your credit. There are a couple of criteria that you need to meet before performing this trick.
By reading this article, you’ll be able to receive more credit cards without a hard pull on your credit score and receive great cash bonuses and great offers from stores. Learn more on how to increase your credit score.
Complete List of Comenity Bank Credit Cards:
Making a list of all Comenity Bank credit cards is definitely necessary mainly because this is for people who want a credit card but they have bad or no credit. Knowing that Comenity doesn't do hard pulls on their customers makes it a whole lot easier for people with deemed bad credit to use shopping cart trick. Comenity Bank Credit Cards
Key Qualifications
- Opt-in for Credit Card Promotions - One way to check if you're opted-in for credit card promotions is to see if you receive promotions through mail. If you do receive them through mail, then you are definitely opted in. If you have opted out, you can change this by going to optoutprescreen.com.
- Only Applies to Cards Issued By Comenity Bank - Comenity Bank partners with many retail stores to provide a credit card designated for that specific store. Below, you will find a list of some stores that partner with Comenity Bank.
- Turn off Pop-Up Blocker - If you have pop-up blocker enabled in your browser turn it off! Many credit card offers pop up. If you have this enabled, then you might miss an opportunity.
- Be Careful with Your SSN - Some credit card offers require to enter your entire Social Security Number. If this is the case, chances are that the credit card is a hard pull. Offers that only ask for your last 4 digits of a SSN are not hard pull. Proceed with caution when applying for credit cards.
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
List of Qualifying Stores
- Abercrombie & Fitch
- AdWords Business
- Alon
- American
- American Home
- American Kennel Club
- American Signature Furniture
- Anne Geddes
- Annie Sez
- Ann Taylor
- Appleseed’s
- Arhaus Archarge
- Ashley Stewart
- Avenue
- Barney’s New York
- Bath & Body Works
- Bealls Florida
- Bed Bath & Beyond
- Bedford Fair
- Big Lots
- BJ’s
- Blair
- Blue Nile
- Bon-Ton
- Boscovs
- Brownstone Studio
- Brylane Home
- Buckle
- Burkes Outlet
- BuyBuy BABY
- Camping World/Good Sam
- Carson’s
- Carter Lumber
- Catherines
- Century 21
- Chadwicks of Boston
- Children’s Place
- Christmas Tree Shops
- Christopher & Banks
- Coldwater Creek
- Colombian Emeralds
- Cost Plus World Market
- Crate & Barrel
- Crescent Jewelers Inc
- David’s Bridal
- Design Within Reach
- Diamonds International
- Domestications
- Draper’s & Damon’s
- dressbarn
- DSW
- Dunlaps
- Earthwise Windows
- Eddie Bauer
- El Dorado Furniture
- Express
- Fashion Bug
- Forever21
- Fuel Rewards
- Friedman’s Jewelers
- fullBeauty
- Gamestop
- Gander Mtn
- Garden Ridge
- Gardner-White
- GEM ACCOUNT
- Giant Eagle
- Gold Violin
- Good Sam/Camping World
- Gordmans
- Goody’s
- Haband
- Hannoush
- Harmon Face Values
- Henri Bendel
- Herberger’s
- Home & Garden Showplace
- Hot Topic
- HSN (card will appear at the ver end of the check out process)
- iComfort
- Iddeal
- J.Crew
- Jessica London
- JJill
- Kane Furniture
- King Size Direct
- Kohler Generators
- Lane Bryant
- LaRedoute
- Lenovo
- Levin Furniture
- Linen Source
- Little Switzerland Jewels
- Loft
- Mandee
- Marathon
- Marianne
- Marisota From JD Williams
- Maurices
- Meijer
- M.E.S.A
- Metro Style
- Modell’s
- Motorola
- MyPoints
- My World
- Norm Thompson
- Newport News
- New York & Company
- Old Pueblo Traders
- One Stop Plus
- Orbitz
- Orchard Supply Hardware
- Overton’s
- Overstock (Only soft pull even though it does ask for your full SSN, very nice high credit limit)
- PacSun
- Palais Royal
- Peebles
- Petite Sophisticate
- Petland
- Piercing Pagoda
- Pier 1 Imports
- Pottery Barn
- Priscilla of Boston
- Red Roof Inn (must sign up for their loyalty program)
- Reeds Jewelers
- Roamans
- RoomPlace
- Restoration Hardware
- Samuels Diamonds
- Saturday Night Live
- Sharper Image
- Shop At Home
- Smile Generation Financial
- Spiegel
- Sportsman Guide
- Stage Stores
- Talbots
- The Children's Place
- The Company Store
- The Room Place
- The Sportsman's Guide Visa
- Tile Shop
- Tog Shop
- Torrid
- Total Rewards
- Trek
- True Value
- UBG
- Ulta Beauty
- Under Gear
- Value City Furniture
- Venue
- Venus
- Victoria Secrets
- Vintage Kind Audio
- Wayfair
- West Elm
- Westgate Resorts
- William Sonoma
- Winter Silks
- Woman Within
- Younkers
- Z Gallerie
- Zales
Comenity Bank Medical Credit Cards
- ALPHAEON
- American Laser Skincare
- Cosmeticredit
- HealthiPlan
- H3 WellnessPlus
- Lifestyle Lift
- MedChoice
- My Smile Care
Comenity Bank Education Credit Cards
Comenity Bank Airline & Hotel Credit Cards
Comenity Bank Auto Credit Cards
Comenity Bank Misc Credit Cards
How to Perform the Shopping Cart Trick
- Go online to the store's website for the card you want.
- Register for their website or loyalty program. You will want to provide your personal information. Providing your address is a must because it allows them to send promotions to your address.
- Add a couple of items to your shopping cart.
- Continue the check-out process until you reach the final page. If you have not received an offer, then you will have try again or try another website. Again, you do not have to purchase anything. The process of going to the final checkout page increases your chance of an offer to pop up.
- Accept the offer and complete the application.
Note: Be sure to enter the same information that is on your credit report when you're applying for the credit card. If they cannot verify your identity, then you will not be eligible for the card.
Benefits of the Shopping Cart Trick
- Bonuses - Different credit cards have different bonuses - some may be cash back while others may be related to the partnered store. Be sure to read the full details of the benefits!
- Helps Build Your Credit Score - If your credit score is bad, this trick will allow you to rebuild your credit. Because these cards aren't a hard pull against your credit, they will not be able to see any bankruptcies or items that negatively affect your credit. If a borrower can show that he or she can pay off money even with bad credit, then the lender will be more inclined to loan money to them.
- Able to Request a Higher Credit Limit - These types of credit cards typically have a lower credit limit around the $500 mark. After receiving your card, you can request for a higher limit for your spending needs.
Conclusion
If you are looking to increase your credit score or get more deals from stores, then the Shopping Cart Trick is the one trick for you. It's a fairly simple process to perform and a great way to earn some extra cash in your pocket. Just remember to follow the key qualifications in order for you to receive those great credit card offers.
If you liked this article, take a look at our exclusive list of Credit Card Promotions right here on BankCheckingSavings.com!
Ive used it now with JCrew Victoria’s Secret and one other store and absolutely Works some of the other stores it doesn’t
Do I have to enter my entire ssn?
I ‘ve been trying to get VS Had luck with Overstock ,Jessica London, N,Y and Company to name a few. I’ve tried logging as a guest and account. It still is not working. If you have any suggestions let me know
my gf has also tried w no luck… i think sometimes if u have a bad credit history it just wont, bc i have a similar score but have been getting approvals left n right. she cant even get the pop up nd we are doing it together
Hi Peter Says .. maybe try from a different computer location. Maybe it is reading the IPN address and figures it already gave 1 credit line. Also she needs to opt in for offerings…. make sure she double checks that .
Opt-in for Credit Card Promotions – One way to check if you’re opted-in for credit card promotions is to see if you receive promotions through mail. If you do receive them through mail, then you are definitely opted in. If you have opted out, you can change this by going to optoutprescreen.com.
linnea we finally figured it out. for some reason her report lists her address from 5 years ago. when we tried using the old address she gets the popups. funny bc she really wants the sportsman guide visa but it will auto ship to our old address in a different state!…… she’ll never get it . shes upset and trying to figure out how to fix. they dont give u an option for change of address when applying via sct
Peter what I have done is when approved with an old address; you just call and say my info was auto-filled however I just moved and want to ensure I receive the card and not someone else. They will change it with no hesitation. Good luck. I want that Overstock or Wayfair and can’t get it for hell.
How do I find out exactly how my name, address, etc is on my credit report and which do I use?
For overstock, brylane home, and way fair. I had to use my previous address on my reports. When I did that pop up first try, then I called and told them I used wrong address so the card comes to my new house
Todd, for clarification. Is your old address the first one listed on bureau. Or is your current address first and you’re saying the 2nd one is the one that you were successful with?
Have you tried all the above suggestions? as far as clearing browser cookies, checking out as a guest ect…?
Does anyone know if pacsun or GameStop is giving a popup? I’ve tried several times but nothing.
tried several times today with no luck on Game stop or Pacsun,
I think I ended up with an ad click full social, we’ll send a letter in the mail situation from overstock,
So far approved for,
Buckle,
Express(I had to really try, go back to main page, and back to cart)
Eddie Bauer(same as above)
Loft and still trying for more,
Go and clear your history, cookies and try again, I got Game stop and Overstock and Victoria Secret to work. This was about a week or so ago.
I had most sites pop ups but didn’t accept a lot of them. What were your steps for the gamestop card?
For Game stop, I cleared the browser, and I checked out as a guest, it will then tell you that you have to be a power member for the cc, log in with your power card.
how can I do shopping cart trick with gamestop? not having any luck
Key Qualifications
Opt-in for Credit Card Promotions – One way to check if you’re opted-in for credit card promotions is to see if you receive promotions through mail. If you do receive them through mail, then you are definitely opted in. If you have opted out, you can change this by going to optoutprescreen.com.
Only Applies to Cards Issued By Comenity Bank – Comenity Bank partners with many retail stores to provide a credit card designated for that specific store. Below, you will find a list of some stores that partner with Comenity Bank.
Turn off Pop-Up Blocker – If you have pop-up blocker enabled in your browser turn it off! Many credit card offers pop up. If you have this enabled, then you might miss an opportunity.
Be Careful with Your SSN – Some credit card offers require to enter your entire Social Security Number. If this is the case, chances are that the credit card is a hard pull. Offers that only ask for your last 4 digits of a SSN are not hard pull. Proceed with caution when applying for credit cards.
Is this possible to do on an iPhone? Or laptop only? I’ve tried and can’t get ANY to work. Tried VS the most and nothing:(
Me too. I ended up going to the store today I asked a bunch of questions. they took the full ssn. I got approved with credit score of 559 and 563. I checked credit karma today and it hasn’t shown up as a hard pull. I have to keep checking to make sure it’s not a hard pull.
If you do it from mobile be sure your in the full site, usually a link at the bottom of the page, when you do it. It usually don’t work too often in mobile.
Do I actually enter my entire ssn?
Adrien No … not unless you want a HP. Read the directions on the top of this thread. You should only be doing the last 4 of your SSN.
no
I’ve been unable to get EB and Ex to work. 🙁 even going back to main page and cart many times. I wish I could figure out Pacsun.
Just got Boscov’s 1500 CL
Hey James have you tried to hot the credit limit increase button? i tried and got another 1k.. not sure if you saw my prior post.. its worth a shot only a softpull !!!
Did you do the request after you received card?
yes got the card and immediately after i signed up to manage my online account i hit the credit limit increase button. it asked for my annual income and that was it. APPROVED FOR ADDITIONAL $1,000… i then tried it again but no-go.
ive also tried on all the others such as HSN, Sportsman, and VS and they all were a no, their reason is becasue my accounts are too new they want to see a history. i think they dont increase until 9 months on VS from what ive heard and 6 months on sportsman and i think HSN but unsure so anyway only Boscovs worked for me right away
Pottery barn CLI immediately after receiving the card as well! another 800 to ad to my 2k limit. now at 2800 w/out even using the card
started with 1500 on boscovs, hit the button when got card went up to 2500 hit it again after making 2 payents went up to 3500, I love boscovs, shop there all the time.
Jim – Same here, my bf started at 1500, immediately after receiving the card hit luv button, for addtl $1000, waited after statement cut requested again via luv button but no go, so i waited about 10 more days (bc ive seen others say they did that before and it worked) hit the button again for an addtl $1k. sitting at $3500 now just like you! isnt it great! Ive only had 1 statement cut! gota love this card! i would love it if you can keep me updated on future progress w this card? not many have boscovs and its hard to find cli info! /id appreciate it
I sure will, keep you updated,
How did you get it exactly? When I hit the credit card button (I’m guessing at the bottom?) It just takes me to the apply page, where I can also enter a prequal #. The few I’ve already accepted from other stores are all I’ve had luck with.
ummm bath and body works???? this does work I was approved for 1800 at Victoria secret not that I would I ever want to carry a balance on bras and undies.
You can use your VS card at BBW only in the store
What is BBW?
Bath and Body Works
What if I received a Jessica London catalog in the mail that says “you are pre-approved” Should I call customer service to try for the credit card that way, or would that get me a “hard pull” on my credit?
Possibly. Catalog pre-approval are usually hard inquiries. Been there and done that.
I have had the shopping cart trick work on overstock.com, buckle.com and brylanehome.com in the past 2 days.
If you got it for brylane home, you will get it for all their stores…. Fullbeauty, roamans, womanwithin, jessicalondon, kingsizedirect. Also if those pop up so will venus…
I have had the shopping cart trick work at several sites. I haven’t accepted them all but I have gotten the pre approval for Brylane Home, Boscov’s, NY and Company, Venus, Buckle, VS, Eddie Bauer, Overstock, JCrew and a couple of others. The key is to clear out your web browser history and cache, sign up for their email subscription when it pops up to ask you and check out as guest. Be patient, sometimes the pop up takes a few seconds to load. I have a pretty low (high 500’s) credit and I am starting with low CL but it’s a start for the ones that I will use anyways. Also helps with my available credit on my report.
I can’t get the pop up for Brylane Home, NY and Company, Venus, Eddie Bauer, Ann Taylor, Loft, Express or Pacsun. 🙁
For Eddie Bauer – When you get to the payment screen, check at the bottom of the page and see if you see a box that says – “Look up your Eddie Bauer Credit Card Number” Click and it takes you to a screen and asks for your last 4 of SS, zip code and date of Birth. I had bought items from them before and went in to see if the trick worked. Well mine is at the bottom. I didn’t apply.
Do you suggest doing this on the computer or is the iPad okay?
ok, I just went through with all digits and I got the popup saying your being processed and will let you know in 10 days. This is the same thing that wayfair said and it was a hard pull. Ugh.
Me too, I just tried what everyone else did. I got a response from Overstock that I would get a reply in 10 days & in my past experience that means I have been denied!!
did you ever get your overstock credit card
No, haven’t received the card yet…..was approved for 2000.00. Card should be here in a few days…..will update when card is received. I still don’t understand why the person I called from OS told me that I would need to call Synchrony Bank to change my email address…….I’m hoping she was wrong.
This has not worked with Overstock or Express. I’ve cleared my cookies, history, tried incognito, checking out as a guest. Just won’t work :/.
It just worked for me on Overstock.com today.
I’ll try again then and see. Did you go through as a guest or create an account, then find something to add to the cart and then check out?
I put something in my cart, went to check out and chose to checkout as a guest.
I got it to work, but it asks for the full SSN, isn’t this a hard pull?
Overstock is not come Comenity bank it’s bank of Omaha.
Overstock is comenity and when I got the shopping cart trick to work is was a softpull
What am I doing wrong? I can’t get it to work!
You have to sign up for the rewards … I just did it for Boscovs to sign up for emails. I did that and it still didn’t work. But then I hit the credit card button for Boscovs and it stated check to see if you have a Prequal… I said yes…. and it worked! It was a soft pull! Prior to that I did a VS card.. and did the same thing signed up for the account and passcode to login. I then put some things in my cart… hit the cart and I got that I was prequal and again did the last 4 of my social and got an approval.
Linnea ty sooo much for the info I just did the exact same thing for the Boscovs and it worked. while i was scared to hit the YES button i went ahead and did so and they just approved me (soft pull im hoping since ONLY last 4 was asked) for $1500… this is my highest limit to date as im pretty new / rebuilding from stupid past mistakes from many years ago! Thanks so much for the info…
I also got a Boscovs for 1500
Awesome Sauce I am so glad it worked for you both. You both got higher limits then me… I only got the $500. It works differently then the other shopping cart .. but I had no hard pull whatsoever for Boscovs. So I am happy in my heart. I only wish Boscovs had a phone app like Victoria Secret does. But its all good.
hey guys i did a credit limit increase request on Boscovs website right when i received the card and BAM they auto increased to 2500 from 1500!!! just an fyi… James you may want to try it!!! No HP
Whats Boscov
Boscov’s is similar to a Kohl’s I’d say.
Got it to work. I opted out.
What us Boscovs?
can u please explain this to me. what do you mean by you hit the cc button
It does work. Just got my credit limit of $750 with VS. Signed up as member and used the cart trick and received the pop up and applied. Was a soft inquiry because it only asked for the last four digits of SSN.
Did you give them the entire ssn? I tried it and it did not give an option for just the last 4 digits
Personally I just broke down and did the full ssin for overstock , I don’t know if I got a hard pull, probably so, but for a 1000 cl, I’m ok with it….
I believe it read that Overstock asks for your full SSN but its still a soft pull.
tre de’tayle … was it a softpull???? please advise im scared to do the full social bc i cant afford another hard hit.. linnea ive also heeard that.., just need another confirmatio from someone whose actually don it before i make the jump
After reviewing my CR I do not see a hard pull for overstock.com…… So I respect no hard pull for OVerstock
Ty tre detayle!! I appreciate your response!
Worked for me on Overstock and NY & Co. August 95th 2016!
Worked for me today on NY and C; and Overstock.com.
How do you get Overstock and Boscov to work? I have tried everything and can not get a pop up for either one. I have gotten Avenue, Woman Within and Pottery Barn to work but I really want the Overstock and Boscov cards and no matter what I do I can not get the pop ups. I have been trying for weeks now 🙁 Please advise how it works or should I just apply regularly? I really do not want the hard pull on my credit though!
If your on a mobile device I know buckle will work, if once you get to the payment page you switch to desktop view through your browser… I get the pop up every time if I do that.
This totally just worked for me! I tried on my laptop several times yesterday and nothing, but the cellphone when i switched to laptop view it worked! thanks!!
Can you please tell me how to switch to laptop view on a cell phone?
You cannot check out as a guest. You have to signup for rewards or register for the site. Make sure your cookies and cache are clear. Make sure you are opted in for offerings before you do any of this. Then you shop .. put something in your cart.. and then when you check out let it pause and you should get a pop up ! You cannot do this as a gues.
How do you opt in
You are automatically opted in unlerss you’ve previously opted out… you can check here…
https://www.optoutprescreen.com/?rf=t
The only way it worked for Overstock was for me to checkout as a guest. I’m pretty upset with the limit because everything I’m reading says they are very generous and they gave me $250. I got HSN 600 and VS 250 to start now 650 4 months later. After I did vs I got an email for meijer preapproval 250
Just woke d for me in same night. Vs. Express, and Bosco all 1000 cl
I can’t get VS to work for nothing in the world. I have Overstock, Ashley Stewart, Torrid and Venus
And I can’t get AS or Torrid to work for me but I have VS
Hi Denise, can you tell me exactly how you got the sct to work for torrid? thank you.
I couldn’t get Overstock to work, no matter how hard I tried. Got JCrew to work 1st time I tried SCT, VS worked, and Boscov’s too (a great store). All 250 CL. Also saw some had requested a CLI as soon as the cards came in the mail & those were approved. I did the same and mine were denied. Soft pull on everything, though, so no harm done! I just had a chapter 7 bankruptcy discharged on 10/04, so I’m very happy to have any credit at all.
Regarding Overstock, I used chrome on “incognito mode” as someone suggested. Works! The trick in addition to that was when I checked out, I went all the way to the final review page. So, I did put in my payment info, and once I hit the final review button, it gave me the pop-up. You have to go all the way through. I used a debit card as my payment method but obviously canceled the order before I submitted, once I got the pre-approval pop-up. Also a 250 credit line, but you gotta start somewhere! I’ll never use the VS, and I have used JCrew once, to get a b-day gift for my nephew. Once I pay it off, I’ll probably cancel it and the VS card. I don’t want a ton of cards on my credit, but Overstock and Boscov’s are great. I really needed some rain boots, and now I have them! Not to mention a bump to my score and no hard pulls! Love this trick!!!
I would suggest to you NOT to close out those two cards. Even if you use them twice or even once a year that will help your credit. By closing them that will ding your credit. You have them so keep them I have a few I use once a year to just show action on them. With having the available credit helps your total utilization, which in turn helps your credit! Good Luck to rebuilding your credit! I started repairing one year ago at 450 CS and currently @ 603 CS!
Manda, you said you started with a 450 CS? Would you please tell me where you were able to get a credit card with that score? Also, I want to just say, Good for you!! You went from 450 to 603 and that’s something to be proud of! Keep up the hard work, I know it does pay off!
Sure, I actually started my venture back to credit recovery by opening a capital one platinum credit card ($800 CL due for a increase shortly) , then I got a credit one bank credit card (not the best for increases one a year and also does have a yearly fee), I then actually got added to my husbands cap one as well. I then opened about 6 months or so later another capital one quicksilver (CL currently $1350.00 and that’s within 6 months of having it). I then opened a few credit cards with the shopping cart trick (well 7 to be honest), I got a pre approval for Kohls which I happily accepted and also Pre approval for Victoria secret.
I will tell you this that capital one is the place to start, they are awesome with poor credit and as long as you pay your bill the credit limit increases are awesome and are every 6 months or so! I do have a lot of store cards and major ones but I keep everything super low (except its the holidays so the credit utilization is pretty high but right after Christmas that will go back down)
I wish you the best of luck on your road to recovery! Just be sure you stay on top of each card you have , pay on time and keep utilization low ! My goal is in 2 years to finally buy our own house we have been renting a home for the past 6 years and I hate paying someone else’s mortgage!
I finally got the pop up for overstock with an old address. When I went to sign in to accept offer it asked for my full social instead of last 4 i just backed out I dont want a hard pull
Mega, you should of put it in. It sAlso asked for my whole social. I didn’t care because, IT’S OVERSTOCK, of course lol. When it was reported on my file, it was a soft inquiry, one or my eyes only. This was on my Experian. I got 4 of these popups in an hour and accepted the all, all with CL of $250, overstock $500 but asked for an increase to $700 after few days (should of said $100). Credit scores at the time was TU 654, Eq 681, Experian 659* give or take a couple of points. Haven’t got another popup to work. Not sure if it’s the automatic fraud alert placed on my report, or if the 4 new accounts but my score dropped between 40-57 across the table. Can’t get Boscovs or HSN. The SCT process works!!!! Thank you guys for the tips. All of you!!!!
I placed an order and went to the checkout page and didn’t get a final review option, do you know what I did wrong, the next option I got after entering my payment info was “place order”
Please do not closed out the cards. They help your credit limit total. Anything under $2500 total credit limit will lower your score drastically. Use them every now and then. Closing accounts is a bad credit move.
I got the pop up for a pre approved 250$ credit line at VS I filled everything out and it only asked for the last 4 of my social so that’s a good sign but when I submitted the application it said I would be contacted through mail with the results. Does that mean I was denied?
I’m not sure to tell you the truth. Was there a phone number to call to get a better understanding of the process. (On the positive note: Could be a card coming in the mail (7-10) days. The negative note: Could be a denial letter. But I don’t think so. Let me know whether you received the credit or not. A Yes or No is suffice.
Not sure. But if you saw the pre-approval pop up, that might be a good sign.
It doesn’t mean you were denied. You should get a letter in the mail stating to call Commenity bank services and they will ask verification questions to complete the acct. This happens when you have gotten approved for a couple of other cards. It’s like a safety net. They just want to make sure it is you. It’s questions to verify your identity and the questions are random. One you answer them, they will send you your card. They did that to my gas card and everything was fine, took like 5 min on the phone.
I will definitely update when I find out what happened! Thanks guys
It worked for me. Lots of these places it helps if you sign up for their email or reward programs first. I was approved for $1,000 credit with Overstock in the pop-up window.
This absolutely works! I was able to get Dress Barn & NY&CO. I got them about 6 months ago $500 DB and $300 NY&CO . I have paid more than my minimum balance each month, have not missed a payment , and they have raised my DB limit to $750 and my NY&CO to $500 without me even asking. This was my 2nd chance to rebuild my credit and it worked, also my credit score has gone up by 43 points in just 6 months….
Do I have to enter my ssn?
if you enter your full social itll most likely do a hardpull. id stick to those that only ask for lat 4 digits to be safe. i did it on VS, SPortsman Guide Visa, Boscov’s, and HSN not one did a hardpull, all softpulls and great limits to start VS being the lowest at $500, SPortsman Guide I am still waiting on starting limit. it didnt tell me when I accepted but ive read its not bad usually 1500 or more. We shall see.
How did you get Sportsmans to work? That’s one I’ve never been able to.
you have to add their membership to your cart. if that doesnt work you most likely have the wrong address on file if you tried everything else listed here. try again w the membership if it doesnt work try with different old addresses. mine bf only worked with an address from like 8 yrs ago and he cannot accept bc he wont get it. you cant change the address afterwards i dont think. if i am wrong please someone tell me?!
when i say try a different address i mean when your checking out as a guest try different “billing addresses” at least this way if you do get it to work you can start to try to figure out why that cra doesnt have your correct address on file and then try to get it fixed and eventually try to get this to work for you as we are trying for him. my bfs was equifax w the wrong info so i know thats who they are pulling from. and btw SL was 3k so its worth trying to figure out id say!
I got it to work and even received a offer letter from them telling me I was approved.
I have gotten the Sportsmans Guide Visa Pop up and also got a letter from them (pre-approval)Baiscly if you have good credit you should get all the pop ups
Pottery Barn and West Elm both asked for full social and was not a hard pull for me… Both higher limit cards…
@suesays I got VS and brylanehome with my old work address, not sure why it’s on my CR but it worked so I accepted and waited a day and called both and changed my address and made sure they sent my cards to new address. They said ok.
@Jroy, the same thing happened to me. when you called, what did you tell them?
You have good credit scores??
Much the same as what Mimi commented, I entered my full SSN at Overstock and it was a soft pull, not a hard pull.
I did VS and it asked foyou r my full ss# ..I’m not sure if I’m understanding what is supposed to pop up . I just clicked on the card n filled out info n they said they are reviewing it. What am I possibly doing something wrong?
The “Pop Up” Is something that will pop up as you are checking out and states something along the lines of ” your approved!” You do NOT click on there credit card application, if you do you are actually Applying for the credit card. The pop sometimes for some stores do work when you go to there application as well. You need to be sure you are reading everything before you plug in your SSN
Thanks I will try again
Good Luck
Do you know any SCT that will work on actual
Master cards or Visa cards?
Hey Karen Co-Branded means the actual store card. They really don’t work on the Visa/MC cards unless your credit is really good. But I have read where the company will upgrade your card to a visa after you make good payments, well I read about it for Old Navy, I don’t know about any other ones. But the Store card is a great place to start.
I did the shopping cart trick with Cold water Creek, signed up for free site membership, placed a few items in shopping cart, a pop-up appeared with either store card or their MasterCard. I excepted their pre-approval offer, applied four digit SSN, and behold, was approved for their Mastercard for $1000. Equifax score: 698.
Yes I have
Coldwater
Buckle
Victoria
Wayfair
Woman within
King size
Jessica London
But wondered if any shop tricks for actual visa and MasterCard
Well, I didn’t know that Cold-water Creek had a MasterCard with no annual fee. I was actually trying for the store card but when the approval came up regarding the MC I took it. Can use it anywhere. I have two CC. But both have annual fees.
I don’t know either I did not know there was 2 coldwater creek cards? Is that correct ?
Yes, Cold-water Creek has two types of cards, but beware, when applying for the preapproved MC through Comenity there will be a hard pull through Equifax even though I submitted only four digits of my SSN. I see it on my credit report,BUT this didn’t effect my score it actually rose the score from 698 to 725….WOW.
See I have the coldwater store card
How do I go about applying for the ACTUAL MasterCard from coldwater
Do you have a link ?
Thanks
I’m not sure, but if you already have a store card with Cold-water Creek, you may not be able to have both. But don’t write my answer in stone. The pop-up came up at the check out point with both the regular card and the MC card. I believe the credit score was the key factor, I don’t know. Go to the actual site. You can see they have both. I was surprised because this card’s limit is the highest that I have so far. Again, when accepting the offer, Comenity did a hard pull for MC. The reason I know, when approved, they showed my credit pull with my credit score at the very bottom. Hope this helps. Good luck.
Oh, it never hurts to call them about your question. Their number is on the site.
I can’t find the link for the coldwater creek MasterCard
I already have the actual coldwater store card
Just wanted the MasterCard through them so could be used anywhere
Also any of the other shop cart trick cards with actual visa or MasterCards to use at any location ?
Thanks
I am curious about the process of receiving store cards with soft inquiries. I spoke with a representative through Comenity Bank, inquiring as to why a hard pull was requested to receive the Cold-water Creek MasterCard, even though I submitted my last for digits of my SSN number. I was informed that Comenity does hard inquiries for all store and Visa/MasterCards through them. Never a soft inquiry. That’s strange because I was approved for the Victoria’s Secret card and no hard pull. This bank knows nothing regarding the shopping cart trick, which maybe a blessing in disguise. Oh well, what they don’t know won’t hurt them. It’s just strange.
I am curious about the process of receiving store cards with soft inquiries. I spoke with a representative through Comenity Bank, inquiring as to why a hard pull was requested to receive the Cold-water Creek MasterCard, even though I submitted my last for digits of my SSN number. I was informed that Comenity does hard inquiries for all store and Visa/MasterCards through them. Never a soft inquiry. That’s strange because I was approved for the Victoria’s Secret card and no hard pull. This bank knows nothing regarding the shopping cart trick, which maybe a blessing in disguise. Oh well, what they don’t know won’t hurt them. It’s just strange. Oh. Karen I do not know of any other store card with an additional Visa or Master Card. I just applied for two cards, VS and Coldwater Creek.
Sportsman Guide offers a Cisa or Mastercard….so does Gander Mountain
Well I am glad I only applied for two SCT cards because I noticed my Equifax score dropped 15 points when VS card was added to my credit report. Well it will probably be another big hit when Coldwater Creeks MC will post. One good thing, it’s only temporary. The one bad thing, it shorten my credit history. Oh well no more SCT cards for a long time. My score is still in good standing, but GEE, the credit card game is tough. Three months and I will be good again. Oh, I DO NOT like Comenity Bank’s MasterCard disclaimers. They’re a predatory bank. They will try to catch you up with interest fees, and they don’t post transactions until SEVEN days later. Payments are done the same way. I’ll stick with prime rate cards for now on. Good luck
I have tried numerous times for Wayfair and still haven’t seen the pop up approval box. I have put various amounts in shopping cart and have join them as well. Still no pop up box and i have allowed for pop ups to appear.
Buckle did a hard pull on my credit report on March 24 2016
I cannot get it to work. I deleted history. I’ve gone to the website, and put something in the cart, I signed up for alerts. It still doesn’t give a pop up. Ugh.
Just got a $5,000 for Boscovs
Christina,
Have you updated your OPT -in/ Opt-out? It usually take some time for the request to filter in the system
How far in the process does the pop up appear for Boscovs?
This worked for me for Victoria’s secret only $250.00 CL & Overstock with a $1500 CL. I have not been able to get it to work at any other place
hello what if I was able to get one card do I still need to do the opt in / opt out? I was successful with one card some no name store but the popular stores no luck. thanks
I finally broke down a down and got a 230.00 with Fingerhut with 30.00 down. My exifax jumped 52 points still low but moving up. Today tried shopping cart trick for VS and got pop up for 250.00 if using Chrome use incognito. Do not auto fill apps. And sign out as a guest. I did not purchase anything card will be sent in mail. I tried overstock but no pop up.
Did u score go up after ordering with finger hut?
Boscovs worked for me…after putting my name on payment info for my credit card info….but not entering card number ….then submit………( then it popped up)
Did you have to use your entire SSN for overstock?
Yes. Overstock always requires full as butbits still a soft pull
I’ve gotten it to work on VS and NY & CO, but it won’t work for me on Boscov’s. That’s the one I really want.
I’ve tried several times on Boscov’s with no luck. I waited a week and tried again and got the pop-up.
you have to go all the way start putting in credit card info and it should pop up. boscovs was tricky but i finally got it that way. its great for credit line increases, started at 1500 in june now up to 8500, monthly increases and usually 1000 or 2000 each time
The popup for Boscov’s finally came up for me. I just got the card. I’m excited about the potential credit line increase because I absolutely love that store!
Sue, when you say you started to enter your credit card info, can you give a little more detail, if you don’t have a credit account with them, what fields exactly are you completing? Thanks
Barbra, Just start putting in any card numbers and it should pop up immediately like when you start typing in numbers thats how i got it!
Barbra, Just start by clicking in the box as if you are going to put in credit card info and it should pop up if it doesnt try typing in any numbers like 4155 or something. i think it popped up for me right when i clicked in the credit card # box though. if it doesnt work you are probably not preapproved to receive it. you can only try and try and try again. i did it for a while before i figured it out and got it.
Can someone tell me why if all these retailers are through Comenity, why was I preapproved and got pop-ups for some right away, and some not at all, even after several tries? I don’t get it. For example, I just can’t seem to get approval for Buckle, but I got approved for Kohl’s and Pier 1 on the first try…Also, when you try again, how long do you wait…AND, I have read info on different sites and also watched some YT videos on this and some say they didn’t’ register and just checked out as a guest and was pre approved, yet some say you HAVE to register. Thanks
I cant get sportsmans guide for nothing
I tried for months on boscovs and my hubbys info…nothing. Then one day I checked the box where it says “pay with credit card” and it popped up 5k! Turned right around and did hubbys the same way and his popped up as soon as I checked that box…Good Luck!
I haven’t ever heard of them before today, but the sct worked on the first try. I’ve been trying VS for weeks with no luck. Wanna trade :p 🙂
I put about $95 in my Boscovs cart and entered all my info and a credit card number for billing. I hit the review order and nothing… I emptied a few items out of my basket and left about $60 in the basket. I entered all my info and credit card info as well, hit review order and then I got the pre-approval notification.
Great. My boscovs started with 1500, hit the luv button every 31 days. SP increase 759 every month. Im now at 6500.
When you request an online credit increase, is there any negative effect on your credit score? By the way, what is the luv button, where is it found on cards such as Gordman’s, Kohls, etc.
Hitting the ‘ luv’ button is the credit limit increase. For the cards you have to sign on to comenity.net/ whatever card and goto profile and press CLI. SAME with khols. Khols is every 92 days. Most i get 300 every 31 days. VS, EXPRESS, GAMESTOP, HSN seems to be every 6 months. I have never even bought anything from amy other tjan VS, GS, OVERSTOCK. enjoy the many SP CLI !!!!
Thanks for your response.
How much credit card info did you enter….credit card number? expiration date? your name? security code on back? how much info was entered before you got the pop-u?
Did you sign in or check our as a guest?
Also, is there a specific type of credit card used? I have never had success with this, so I was just wondering exactly what was done.
I filled everything out as if I was going to really purchase the items. I put in all my personal info and credit card number s with security code. It gives you the option to review the order before processing it. After lowering the amount in my basket to about $60 and hitting the review order button, that’s when the pop up happened. I was used incognito mode but not sure if that made any difference
Thanks for those detailed instructions.
You can pre-qualify at Boscov’s online with a soft pull. Bottom right hand side.
Can I ask everyone if they are using a PC, laptop, rablet or phone when trying this? I’m wondering kf this makes a difference when applying.
I used my phone and got approval for VS
I’ve only used PC for approval at Overstock, VS, Ann Taylor, Buckle, NY&CO
I used my laptop and it worked fine. Also in the store Khols was not on the list but it said I was pre approved at the counter as I was checking out and I was approved on the spot and got another 25% off on the spot as well.
I’ve used computer iPhone iPad and got several sct but since I got 6 in one week back on November it hadn’t worked for me since on any site so I think it takes awhile after getting one or two pop ups , try a different computer than before
Ann for Boscovs, did you sign up for an account before you started putting stuff in ur cart
For Boscov’s I did not create an account first. I just added items to my shopping cart (about $280) and the pop up came when I was about to enter credit card information.
Do you know which credit bureau it pulled from. My name and address is different on all 3 bureaus. I will call and get all of them uniformed.
None of these stores are working for me and I’m following everything that everyone is saying. I’m not getting any popups. I’ve been trying for two weeks now.
I tried 3 months til I got a few
Just tried and got 350$ pre approval . I already had an account with Victoria secret so I deleted my browser and started fresh creating a new account with a different email . I used the same name/address for shipping and billing ( I notice I was still using my maiden name for billing on my other account) I put to outfits (luckily I already had favorites didn’t shop long) in the cart about $200 after entering my shipping information I received the offer. It was a soft pull only asking for the last 4 of my social .
Awesome! I finally got it to work for Boscovs! Had to use my maiden name (I’m recently married) even though the others worked with my married name. I only got $250 and hoping for a cli soon!
no matter how many time i try i can not get it to work for me.
so u already had the credit card for vs and the trick gave it agin
Just got approved for a Coldwater Creek MC $1000, Overstock $4000, a week ago and VS $750 a month ago
What pop up are you all talking about ? I applied to VS and overstock and it said they are reviewing my application. I never received a pop up???
I got a pop up on VS, I didn’t try overstock. But I read comments where people called when it stated that and followed the prompt and it told them they were approved and gave them there credit limit via phone. Try calling, it’s worth a shot.
try youtube. there is a young lady on there that walks you through the steps. it will work. I have overstock, the limited, VS and express through the shopping cart trick
I was able to get VS, NY&Co, Overstock, Boscovs & Express. I am hoping this will increase my FICO. When I checked with credit karma yesterday my equifax score had dropped 35 points. This is not what I was hoping for. I hope after 30 days my score will go back up. The goal is to increase, not decrease. It’s taken me a long time to just get above 600. So I’m a bit discouraged. I guess it’s my own fault…getting a bunch of cards. I will never shop at those stores.
Did you see it on your report as a hp first and then disappear? I did all 0’s and the last 4 ssn with a few and got the hp. I see some ppl say it falls off after a few months. Mine haven’t. I’m hoping they will.
I’m having the same experience as Melissa. Just got VS, Overstock, J. Jill and J. Crew; only one of them has reported to the CRAs (VS) and my score dropped 46 POINTS!!!! They were only SP’s, and my other credit history is relatively new so it didn’t lower my account age that much. The worst part is that three of the cards haven’t even reported yet…if my score dropped 46 just from one card being added, I can’t imagine what will happen to my score after the other three report to the CRAs.
Keep in mind your credit score takes into account the length of your historical credit.So, if your adding new credit cards this will affect your score. It will start going back up, but what’s important is you use your new credit cards and pay if off. It’s better to keep your utilization at 8% this gives you a better score.
Charge 1 item than when the statement comes due pay it off or at least a good portion of what you owe.
Hope this helps.
i cant get any to pop up – I opted in – and I have tried different ways what isnt clear to me though I see some people making an acount and some people checking as a guest, also when i pulled my credit report it doesnt have my new address on there (not sure why since I have lived there two years) so do i have to enter an old address to get this to work
Thanks
I tried for months on boscovs and my hubbys info…nothing. Then one day I checked the box where it says “pay with credit card” and it popped up 5k! Turned right around and did hubbys the same way and his popped up as soon as I checked that box…Good Luck!
You must update your address with the credit reporting agencies first. Must match.
are any of these cards visa or mc?
sportsman guide is a visa card
Try with a different email account,that worked for me and I was able to get approve for a $1000 from Gander Mountain.
What is your credit like?
Do you know any SCT that will work on actual
Master cards or Visa cards?
How does it work with credit cards? Tell me
sportsman guide visa and total rewards visa work with the sct
How do I do those sportsman and total
Load a cart ? Help
What process did you do for gander mountain popup?
Been trying this for a while now and haven’t gotten any pop ups what so ever. Please help!
Seeing if any cards at Sct Work anywhere a visa or mastercards would work any cards out there thru this trick
Like maybe Ann Taylor or express or coldwaters
You have to actually put in your credit card info and it will prompt you. It did it to me for boscov and victoria secret.
Hi Rose did you create an account for Boscovs I can not get this trick to work
No I didn’t create an acct, I actually checked out as a guest and it worked on the first try. I put stuff in my cart and then hit check out as guest.
For those of you who check out as guests, do you check out as guest and not create an account at all, at what point in the process do you get the pop-up?
How much credit card info did you have to put in? Do you put in the full number, did you enter your name, the expiration date, etc.
I cannot get it to work for me either, even though I have several Comenity cards already through mail offers.
Me either . I tried about 4 of them.
Delete your history, cookies and cachae in your brower. make sure your pop ups are allowed, if they are blocked unblock them. Make sure you are opted in to receive emails.
To open a secure brower hold cntrl,shift, N. hope it helps. Good luck
Has anyone have any luck with boston store? I cant get the pop up.
I actually tried the trick and got Walmart-$700,amazon-$600,New York & Co-$500, Overstock-$2,000 and loft $250.
How did you get it to work with Walmart ??
Yes how? I can’t get Walmart
Walmart is a hard pull though Synchrony Bank, so it doesn’t work with the SCT. All of the other ones he listed are correct for the SCT.
Not true, i asked for walmart card in store. Only last 4 of ss. No HP 4500 cl.
I’m inquiring about the total rewards visa
I made a account on line
I log in and out all the time but no pop ups for the Actual credit card
And help ?
Thanks
Havent had that one pop up for me either.
You did the shopping cart trick for Walmart? that’s odd they are not run by Comenity bank. Can you let everyone know how you got Walmart to work with no hard pull?
thanks!
He didn’t…I’m sure it was a hard pull.
You are correct, it is a hard pull because it is with synchrony bank. I think he made a mistake.
Is Amazon Comenity, how does that Work???
I’ve had success with Game Stop, Overstock, and Victoria Secret.
Amazon is through Chase.
they are synchrony
How did u get gamestop to pop up..i didnt even know they had a credit card lol
Do you know any SCT that will work on actual
Master cards or Visa cards?
Sct seems to work with Co-branded cards (name of store/Visa). Marathon Visa, Sportsman’s Guide, Total rewards are a few people have mentioned that have worked. Comenity has other co-branded cards as well.
I don’t no what co branded cards mean help ?
And how do I do those since there isn’t items to really add in a cart to check out and get the pop-up
Help
Help
Thanks
Going to the store and applying is a soft pull.? Walmart only asks for the last 4 of ssn in store. Not sct but close enough.
How did you get it to work for overstock? I have tried more than five times and nothing!!! I did get it to work for Pier 1 and got $2000 CL and for Pottery Barn $3000. So it does work.
I could never get the SCT to work for Overstock. After 3 months, they sent me a pre-approval via email.
Has Anyone, anyone had this to work for Herbergers or BonTon?
How did you get pier one! I keep trying and I can’t get it! 🙁
My credit and Fico is better than my husband and Pier 1 popped up for him but not I. So we just added me on as an authorized user which can still help your credit AS LONG as you make your payment on time just as you would if it was your own account.
When does it pop up I can not figure out pier one or pottery barn or overstock
Please help
Hi Michelle,
There is really no trick to it. It works just like the others. It generally pops up when you start to put in your payment information. For me, the home furnishing stores were the hardest to get but I recently got Wayfair and Pottery Barn. Overstock was the first one to pop up for me. Just use the tips listed here on the board to clear cache, go incognito or private, keep trying every couple of weeks.
I can’t get pottery barn or pier one! The two I want so bad
Do you have awesome credit I didn’t know Walmart was part of sct
HOW U GET WALMART??
While on Amazon a pop up came up for American Express. I wasn’t trying to do the shopping cart trick, but thought about it once the pop up flashed up. I’m wondering should I apply or not?
not unless you are willing to get a hard pulL!
I wouldn’t. That is not one that they bank with.
I just got approve for jessica london 250 ,victoria secret 500woman within 250 ..Im sooo grateful ..This will help me build my credit ..Thank God ..It really works ..I tried walmart but it didn’t work..I happy ..
just got 2500 at Overstock
Wayfair did a hard pull 3 days later
Wayfair did a hard pull on me also.