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 have done with the shopping cart trick
Anne taylor (approved)
Jjill (approved)
Boscovs ( approved)
All with 250 cl. The 2 i will barely use way to expensive for my taste! But the Boscovs site is awesome! I have a bad history on my CR that im working on inpoving and also Victoria secret but that one i got a pre approval in an email.
Current experian on credit karma 606
Trans 589
Update: also worked for the limited!
Ok this trick was a little bit addicting!
I am just thrilled i can actually get store cards! I have now enough open credit will me credit utilization will be fairly low!
Am I supposed to enter my full ssn?
I never entered my full SSN just the last 4 and have 0 pulls on my credit report
You mean Equifax not Experian on CreditKarma.
Anyone tried dillards
you all that have received the pop up screen… by chance, did you have a high credit score?
I got 10 of them, all 3 scores under 550
Overstock. com is a hard pull. Just checked my credit report ugh!
Overstock was a softpull for me. All of them were. I didn’t get a single hp on my report.
that’s crazy I followed the instructions line by line. 🙁
Did you apply for the card or just accept the preapproved popup? At first I didn’t get how it worked and just applied…it was a hard pull and I got declined in the mail. Later on I got the trick to work, it was a soft pull and I got accepted.
does anyone know if i enter all zeros and only the last four your ssn if this result in a hard or soft pull? i did this for ny&co and 500 cl
did it work?
It worked for me. All zeros and last four digits of ssn# for VS. No hard pull.
VS worked for me with all zeros except my last four. And my credit sucks. My limit was small, but i am just trying to build credit.
After reading this I tried this for the Limited and it was a hard pull.
I can’t get it to work. A few of my reports list my middle name and one doesn’t. Is that the issue? Where does Commenity pull from?
Experian.
Do you know how I can get a free experian credit report, not having any success with the sites I tried.
Federal law requires the big three credit reporting agencies set up a website to furnish free annual credit reports. The URL is:
https://www.annualcreditreport.com/
You can get all three of your credit reports there or just the one(s) you choose.
There is a blog post that explains the process step by step at:
http://www.diycreditcleanse.com/blog/
Download the VS app from your app store, become an ‘angel’ member (free), register for upcoming email notifications, place some items in the cart, proceed to check out, a pop-up should come up with an approval of whatever amount they offer, click yes and there you go. Card comes within 10 business days. I got my card through my mobile device.
This didn’t work for me, either. I’ve tried EVERYTHING to get this offer, and nothing works. I’ve tried it on every single site out there, and even though I know I am opted-in because I just got a pre-approved Bank of America $99/$500 card offer (which I accepted and got the card) I can’t get any of these SCTs to work. 🙁
Got the pop ups for
Loft
The Limited
Ann Taylor
Express (accepted offer)
Overstock (accepted offer)
I can’t get it to work for Victoria’s Secret.
Am I supposed to enter my full ssn?
no do not enter your full social it will be a hard pull!
Overstock is the only one that asks for the full soc, but it will be a soft pull.
Does it matter what browser you are using and whether you’re on phone, comp., tablet to get any of them to work?
Interestingly enough, I’ve been trying these all day and VS is the only one that has popped up
Download the VS app from your app store, become an ‘angel’ member (free), register for upcoming email notifications, place some items in the cart, proceed to check out, a pop-up should come up with an approval of whatever amount they offer, click yes and there you go. Card comes within 10 business days. I got my card through my mobile device.
I got the pre approved on Overstock, went through and got the ‘under review’, so was not approved…..
They didn’t like something on my credit report, hopefully not a hard pull..
sry to hear that… i dont trust the ones that ask for full social
Does this trick work if you have had recent bankruptcy?
1 week out of chapter 7 discharge and it worked for a few stores like VS.
Yes I’m in Bankruptcy now and I was able to get approved for $1000 Willaims and Sonoma Visa Card, I have VS, JCreW, EXPRESS, VENUS, HSN $1000.00, Loft.
Nice mix. Glad for you. Just maintain a low utilization (10%), on each card and watch your credit increase quickly.
WS is my unicorn, I’ve been shopping there a lot recently and they just won’t do it for me!
I have now gotten the following pop up’s to work…
Victoria Secret Haband’s
BOscov’s Full Beauty
Buckle New York and Company
Overstock Eddie Bauer
Linen Source Venus
Brylane Home