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!
I got the pre qualification for VS, Venus, Ny& Co and J Crew. I accepted them all but I only received emails from Venus and it’s the only one that’s been added to my credit report. Does it take the full 10 days to go through or did I get denied after the prequalification.
How long after you were approved did it take to see Venus on your credit report. Was it an inquiry or a account showing?
I tried numerous times to get a buckle card to no avail. Today I got a letter in the mail that says I am pre-approved for a Buckle card. I called the Comenity number and was told they couldn’t be sure if I called the pre-approval acceptance line if it would be a hard or soft pull. The letter also listed a link to visit buckle.com / accept and then I am to enter a pre-screen ID and additional information to accept the pre-approved offer. Has anyone ever received a letter like this?
Yes
Buckle
And
Woman within
SOFT PULL
Yes, for Williams and Sonoma. Don’t worry it’s still a soft pull even though it request s full San.
Anytime those Comenity Bank cards ask for my full social security number I put in all zeros except for the last four digits I still get the card and it’s still a soft pull
Todd i also did the zero and it shop up on equifax as a hard pull on my credit report. so be carefull. i was shock when i receive my alert that i have 10 pull on my credit drop my score a lot but i look at it as i have to lose some to get some. in the long ran {like 3/6m} from now my credit score will shoot up, so be carefull with those zero it not all SP
Has anyone had any success with Metrostyle, I really would like that one too, love their shoes.
I got approved for Pier 1, J Jill, Gordmans, Overstock.com, HSN, Brylane Home, and many more. BUT, I haven’t been able to get approved for anything since! I just can’t figure it out. I sign on incognito in Chrome, I checkout as a guest, i checkout creating an account, i enabled pop-ups, I allow cookies, I clear browsing data, I used my email addresses, I let some time lapse before trying again, I try the same way I did when I got approved, my credit score has increased, I just don’t know what to make of it. There are some cards I really want like Chadwicks, Kirklands, Etc. but everytime I try, no pop-ups. Any suggestions?
Same here! I got a handful a few months ago and nothing since. I had more success with my computers default browser Microsoft Edge, than google chrome incongnito, but I’ve gotten them both ways.
I’m still not able to get any of these stores to work. No pop ups. I used Google Chrome and Microsoft Edge. I’m not sure what I’m doing wrong.
Does Bath and Body works still have a card? I don’t even see it as an option
Bath and Body works is owned by Victoria Secrets, You may use your Victoria Secret card at the physical store bath and body works but you are not able to use it on there website.
Must be Victoria Secret credit card not the Victoria angel card
In store only
Yes its the Victoria secret credit card.. I have the victoria secret angel vip credit card.. Unsure what the Victoria Angel Card is. I assumed it was the same.. which i believe they are.
Everyone is stating the Victoria secret card works at bath & body
Not Victoria angel but the Victoria secret card
Try trick for the VS CARD
I use my angel card in store at bath and body works. Will not work online
Oh that’s great!!!
I’m gonna go bath & body and use mine
Thank you
How long did it take to get your VS card and report to the credit agencies?
For me it was a month. They are kind of slow in my experience.
My VS card reported and I hadn’t received it yet.
Yes, VS is now reporting on all credit reports. Took a month to show up and two months to report payments. They are slow.
So I see that Bath and Body Works is on the list but they don’t have a Card for this store anymore. Am I missing something?
i have not been successful with any of them I did get some pre-approvals in the mail but have not been able to get the pop-ups
Keep trying they do work
The easiest I believe is
Roamans
Wayfair
Coldwater creek
Good luck
Turn your device off and on try in chrome
Incognito only
Make a new email you have never used online before
All this helps
It may be that you fico score is not where they need it to be. They are pre screening and pre qualifying you. Give it a couple of more months for your score to increase a little then try again. Don’t give up, because they do work.
Has anyone gotten Bed Bath and Beyond, Big Lots, or Crate and Barrel? I can’t get them or hsn to save my life!
I haven’t had any luck with Biglots or HSN .
I have been trying Overstock forever. I know it works because I tried for a friend but she didn’t want it, we were just trying to make sure my laptop wasn’t the problem. I have Boscov, Simplybe, Jd Williams, Ann Taylor, Express, and Woman within. Oh, also Victoria Secret, it took me months to get Victoria Secret and I wasn’t trying to get Woman WIthin, I was on the site actually about to buy something when I put in my information and it popped up. . I got Victoria Secret from my cell phone using google chrome. I still haven’t had any luck with my boyfriend. He checked his credit report and his last night is listed as his first name. I tried that as well but it didn’t work.
I have been trying to get the shopping cart trick to work for weeks now, and ive seen no pop up on any site. on my credit report my name is listed with a middle initial and on all of the sites it doesn’t have a spot to put your middle initial in. could that be the problem?
I have asked about the middle initial problem on other SCT websites but no one has responded. It is the same problem that I have.
It’s really aggrivateing! I’ve asked on multiple sites and posts, but no one ever replys. I havnt found any sites that ask for a middle initial when checking out. All of my credit reports have the middle initial in them.
All mine have my middle name, but never been a problem with pop ups. Ive gotten 16 in 4 months.
i doubt thats the issue bc my middle initial is on my reports and ive gotten sct to work. mb your credit just isnt where it needs to be, they still do a softpull. mb its your address thats reporting incorrectly. it could be a number of things.
My credit reports have my middle initial. I just put my first name, a space and my middle initial.
Example:
FIRST NAME…Wynne M
All of my reports have my middle name spelled out but none of the pop ups will work with my middle name or initial. My credit started out under a 500 this year and now I am at a 658. Initial credit of 250. Boscovs and VS were the first ones and now credit lines are around 750. I got my first pop up in June. This really works!!!
Guess I just have tone keep trying periodically! Thanks for all the info. At least I know it’s possible!
I use my middle initial on everything. However, I have gotten the pop-up to work on about a dozen places. I thought I was having an issue as well. Keep trying or maybe hold off for a little while. This does work. Some are of the sites took a bunch of tries. Good luck!
I have a middle initial also, try putting your initial after your first name in the same box it works for me : Overstock 750, pottery barn 2000 Boscov’s 1000, Victoria secret 500, buckle 300, sportsman guide but haven’t given credit limit yet. scores low 600’s
Yes
Try like mine is :
Annette R
In first line of name
Just add initial
When typing my middle initial, example: I place it with my first name (Jane D)
last name (Jones). Always seems to work for me. Just a suggestion.
Next report to your three credit bureaus to add just First and Last Name also, along with your name with middle initial.
My report shows my middle initial but I don’t use it when applying. So don’t worry about it. The same with my husband he doesn’t use his either. Just make sure your name is spelled correctly and your address is the same as what is on your credit report. Hope this works for you. We have been approved for 7 cards.
My credit reports also have my middle initial and I haven’t had a problem getting pop ups. There is no place on most of the website pop ups to put the initial. Don’t worry about it. Just use first and last name the way it’s spelled on report
I have got Boscov’s, Ann Taylor, Express and J Crew to work but I can’t get VS and Sportsman Guide to work.