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!
Can’t get a bite with Sportsman’s Guide. Will try again in a couple of weeks.
Just got approval for Wayfair. Quickest pop-up so far. I had $1400 in my cart, but got a $1000 limit. Good reason not to buy that stuff. I think the low limits is coming from my income. I’m retired w/o a super duper income. Never saw a CLI button.
I’ve tried so hard for O-stock. Can’t get a bite.
Try another browser, computer or email address. I don’t know why but it took several tries before the pop-up appeared for me.
Elizabeth do you know what bureau Wayfair pulled from please? Thank you.
Equifax.
The card sounds good, but I don’t want a hard inquiry to get the card. I will wait a year and SCT Boscov’s then. Thanks for the heads up Pat.
i was able to get a Boscovs card from a pop up. Easy to do. Approved for a silly $300. BUT, here’s what pissed me off in the end. One week after I received the card in the mail, Boscov’s DID A HARD PULL. Totally illogical. I would have never applied for such a stupid card if I had to suffer a hard pull. Be aware folks.
I don’t see Boscov’s on the list anymore. Maybe Comenity is becoming aware of the SCT and starting hard pulls. My Coldwater Creek card was a hard pull on Equifax. So be ware.
Boscov’s is good with cli. That limit will be increased in no time. I started at $1000 in November. I am up to $3250. Good luck!
Yea they have very nice CLI, I started with $2000 8 months ago, Now I am up to 15,500. I love Boscov’s, They have just about everything you would want.
Thx for that tip Elizabeth. Not a card I thought I would use. But maybe I will. Did you have to use the card a lot to get the increases?
No I got 3 cli before I even used it. I bought some sheets 1 month and then a couple months later bought cologne for my husbands bday. Their beauty dept is decent and they have a decent home goods and furniture dept. I did have to wait for the card to arrive in the mall before the first cli, as with all of my comenity cards.
I couldn’t get boscovs to work, on my surface, so I tried my iPhone and it worked, when I hit the cc button.but when I hit submit, it said there was an “error and I had to call them” so I hit the back button and tried again, but it ask for my whole ss#. I couldn’t put the xxx_xx back it so I just hit 000-00 and last 4 . Still said” error need to call”
even putting all those zeros they will still hard pull some will!
I think I’ve tried to comment on this before, but it wasn’t approved. Trying again. I’ve been trying for gamestop FOREVER. I never got a pop-up. I seen where someone up their information in on an application and put their social in 000-00-XXXX and it worked. I just tried this with gamestop and got approved. I don’t know if it will be a HP or SP. Normally if I get HP, Credit Karma alerts me immediately. I guess we will see.
I’ve been trying a Game Stop for months! Did you get a hard pull?
I used this trick with Ann Taylor, Full Beauty, Brylane Home, Jessica London, Express, Overstock, Wayfair and Williams Sonoma.
It wasn’t a hard pull when I only entered the last 4 of my social. I got quite a few of the SCT cards and none of them did a hard pull. Just waiting on Sportsman Guide now…
Wow. Can’t get Sportsman’s Guide to pop up. Even bought some items from them recently.
The only ones that haven’t popped up for me is Sportsman Guide, J. Crew, and Wayfair. The only one I’ve been trying for is Sportsman Guide and I discovered this trick a few months ago….still no luck. My credit score has jumped 40 points though from just have open accounts with no utilization. I have used Buckle though, they have some really cute clothing. I do plan to use VS and GameStop, also, but haven’t yet.
@RB did you get a pop-up for Williams Sonoma? I heard that’s pretty rare. Im trying to get the home stores because I really need to furnish my place. It tok me 5 months of trying to get Wayfair. Still havent gotten Pier 1, Pottery Barn, West Elm, or Crate and Barrel and I’d really like to have them all. Does anyone know if the all participate in the SCT?
Williams Sonoma was one of the first ones I was able to get. It’s a good one too. Starting limit was $1500 in November 2016. Now it’s $6000. Pottery Barn was my first SL $2500 now $7500. EQ scores are my lowest and that’s where they sp from.
Also, you can use pottery Barn cards in Williams Sonoma and vice Versace.
it worked with Boscov’s and wayfair. overstock worked with a pop up but said will be notified by mail…..
Has anyone received a hard inquiry when preapproved for Cold-water Creek MasterCard? I was under the assumption that Comenity Bank only did soft inquiries. I now have an inquiry on Equifax until 2019. Thank you.
i also realize on Equifax it a hp but on tran it a sp.. am going to wait a month and see if it fall off if not am going to dispute it.
Good advice. I will do the same. Thank you.
Did the hard pull fall off? And if not, did you dispute it yet?
When I used all 0’s and the last 4 of my ssn all were hard pulls. They are all still on there and that was from November 2016. Huge mistake! I think YMMV based on what others have said but for me they are there and frankly I would have rather not have the HP’s or saved them for a card with more value.
Elizabeth, I understand about the hard pulls. I only have one new HP from Clearwater Creek MasterCard. Thought it would have been a SP, but it’s a major card. Hard lesson learned.
It is my understanding that the MC/VI cards will all require a HP. The store cards will always be a soft pull IF you respond to the pop-up. Someone on another blog called Comenity to inquire about that and that is what the agent told him.
Thank you for the info.
What became of overstock Bill? Did it work out for you?
I’ve been trying to get Wayfair, has anyone had any luck with this one?
i have a total have 13 cards my credit score have up in the high 600″s i was able to get american express blue… i am extremely happy about that one. to answer your question about Wayfair i have been trying for 3M now and no luck i even try with zero and my last # still no luck. i believe it in the timing. like it you keep trying every day it may not work. give it a break wait about 2/3 weeks them try agian. i also want wayfair, Kohls. i have no luck with those one. but i have VS, buckles, Blair, j. crew, Evine, simplybe, NY&C, Express, Bosvs etc all started &750 and above,, after i recieve NY&C i cant get anymore dont know why, i pay all my bills ontime even before their due sometimes 2/3 a month. just give a a break and see what happy.
I try to edit and but dont know how. I forgot to add I Also have walmart, home depot, i started out with a secure card from capital one them Discovery and i which my credit change in 6 short month. hope it help someone have patient , when you do get them pay even the minimum, this is also my second chance and i am making sure i manage all my credit cards positively, i also have a 2 more master card one from premier and Verve, the fees or high but one my credit score get better i will do a balance transfer and stop using them. i got them only to reestablish my credit. i also have a merrick bank card. 7m ago i couldnt get anything so am happy and prove of myself, dont get discourage and give up keep trying, it work am telling you the true i didnt believe it at first until it happy to me
Wayfair took 5 months of trying for me. I believe they SP Equifax which is my lowest score. I was logged in to Chrome, just regular, not incognito. I added about $160 worth of product to my cart, I logged in, put my cursor into the cc payment field and it FINALLY popped up. Such a nice surprise after trying for so long! My EQ score has risen about 23 points since I first tried the SCT. It was 606 in Nov ’16, and 629 when I was approved in March. My EX is 669, TU 635. Hope that’s helpful.
I noticed that most people are stating they received a pre-approval or prequalification pop-up. I received a congratulations your approved on my pop-up with VS and Coldwater Creek. Are you automatically approved and why do some receive an email stating 7-10 days?
From the comments above and personal experience it seems they just want to verify your identity. That happened with me and they asked me a couple of questions then approved me.
Thank you.
if u alrady had a credit wit them like VS can u or has someone gotta one 2x wit the trick
I got a pop-up for vs after I had the vs card already. I took the bait. I never got the card and haven’t been able to get a pop-up since. That’s what I get for overdoing it! lol I would say don’t do it.