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 tried Sportsman Guide with zero’s and only last 4 digits, and got the 7-10 day. Oh well.
Did you get a letter from sportsman guide?
Yes, hard pull EQ, score still too low.
I can’t believe I finally got the sct to work. I have literally been trying for MONTHS with zero results. This entire time I thought it was because I had a charged off Care Credit card which was with GE which is somehow related to synchrony but I had paid it off in full a few months ago. Turns out the ENTIRE problem was that my address has a 1/2 in it. I checked my Experian report and it was listed as 1807 1-2 instead 1/2. I went to VS website in an incognito tab and tried with my address that way and it popped up with a $500 pre approval. So I accepted and it worked! So relieved to finally be in. Thanks everyone for all your ideas.
Yay! Congrats!
I’ve gotten Boscov’s, Overstock, J. Crew, Victoria’s Secret, and Brylane Home. I also have Loft and Ulta cards, but I applied normally for those. The only two I still want are Sportman’s Guide and Pottery Barn….When did you get Sportsman’s Guide and how did it pop up?
Pottery Barn is now up to $5100! from SL of 2000. I only had 2 statements cut. Courtesy of the robo lady. Call monthly for increases w PB doesnt work online with new account
Hi Sue, what is the robo lady for Pottery Barn? How do I find the number to call?
hi, its the number on the back of your card. the robo lady will ask what can i help you with today? you say “credit limit increase” she will say “ok, i can help you with that, i need some info,,,, what is your annual income, you say “whatever it is” and then she will either approve or deny you. I have yet to get a hard pull from this method with any of my comenity bank cards. im up to 6600 now!
The SCT worked for Boscov’s and VS but not for any other companies. Limits: Boscov $2,500 and VS $500. The SCT worked for my Wife for Wayfair and VS but not for any other companies. Wife’s Limits: Wayfair $4,500 and VS $500. My wife’s credit scores were in the low 600’s with 1 collections account (2 paid within 30 days of the SCT working). My credit scores were in the high 600’s with 3 collections at the time VS extended credit and 1 collections account when Boscov extended credit.
Side note, VS does a soft pull for credit limit increases and Wayfair does a hard pull for credit limit increases. My wife and I verified this in August 2016 by speaking to their call center representatives.
For everyone who uses Credit Karma, please dispute or continue to dispute the collections accounts that appear on your Transunion and Equifax credit profiles. I’ve had 4 collections accounts removed through Credit Karma’s dispute process.
As of this morning my credit karma equifax is now 726! all bc of these type of threads. just 10 months ago i was low 500’s!!!! keep disputing ppl!!! i now have 0 collections and 5 nice new accounts courtesy of the SCT ohhhh …and a brand new car w a 2.9% interest rate! just 8 yrs ago my rate was 20%!!!!! no joke!!!!!
Congrats.
I would like to get an Overstock or HSN card. Does a window pop up for these?
yes jules i got hsn this way and recd pop up for overstock but didnt accept. hit the credit card info on overstock as if u r going to input ur card info nd it should pop up. i believe it was the same for hsn. good SL for me. 3k
I’ve tried over and over and overstock is not working 🙁 can you list the steps you did to get it to work.
I got approved for VS and boscovs
This seems like a great thread for info!
I recently was discharged (bankruptcy) about a week or two ago.
Nobody will give me any credit so the SCT has been awesome!
I’ve tried over 20 stores using the SCT but the only two that i’ve gotten was SimplyBe and Marisota (two stores I will barely use because my wife is a size 2) so I will only use these cards for shoes or accessories for her.
I tried for VS, Modells, HSN, Overstock (these are the cards I knew I would actually use).
Any suggestions?
I also have a credit builder loan.
I see many of you doing SSNs using 0’s and only your last 4 but I’m too scared that it will hit my credit.
keep the great info coming!
Gerald, try for a Capital One card. They will start with low limits. Check with their pre qualify app that will let you know if you qualify without a hardpull.
Who did you get a credit builder loan through?
And, yes be careful with the all zeros and the last four of your social. I did one app this was and haven’t received a hit yet, but still checking.
Also, Boscovs is a good one to try.
I burned Cap1 in my BK…..Cant get back in with them for a year.
Credit Builder Loan is thru Self Lender.
I tried the SCT with Boscovs last week but no pop up.
Gerald- I included Cap One in my Chapter 7. Filed due to an illness and being out of work for a year. My auto loan and credit card was with them and included in the filing. I was able to get a CC with them within a month of it being discharged. Try the pre-qualify first.
Love Self Lender. It has helped tremendously. I would recommend them for everyone.
Try Capital one . I was approved for a Capital one secured card in February of this year. I didn’t use the card until May. I went on the website and did the pre qualify and it matched me with the silver. I was given a 500 credit limit. The Capital one secured card was a 200 credit limit and I had to put 100 on it. I didn’t mind because I am trying to rebuild my credit. I have been getting pre approvals left and right. I can’t get any of the shopping card tricks to work with the cards that I know I will use but I said I would charge something small on the ones I have no desire to use , maybe something for my sister or mother for Christmas. I also was able to get a Kohl’s card soon after getting Simply Be card.
I really don’t know what I’m doing wrong but it not working for where do your score need to be at and some body please tell me how to do it right.
Maybe your credit score is not where it needs to be at or maybe when you are typing in your info, maybe you are typing something that is not identical to your credit report & that is why the trick is not working… Maybe you should pull your credit report & see what is going on.. Have to tried clearing your browser?
liz brets right it wouldnt work for me bc equifax (which is the cra comenity uses) had my address listed wrong. i put it thru w old address n it popped right up. then i accepted and called them they sent it to my new address np. i said ugh im sry i put an old address by force of habit and they had np w that… try old addresses… cant hurt
So I have the cards I wanted with the Trick, but I went to shop for some back to school clothes for a college student and as soon as I logged into my account at Jd by Marisota. Also a sister company to SimplyBe, the preapproval page came up out of the blue. I had looked at their clothes a long time back and found it odd it just showed up, I had nothing in my cart and hadn’t even looked at the first item yet. Strangely perplexed.
Oh, while typing this I went to their sister site, SimplyBe and all I did was enter my log in information and BAM the preapproval popped up also. I am so confused. I never looked at anything or what not. I hadn’t looked at those sites in months.
That usually happens with metrostyle, Jessica London, Chadiwick’s, etc. as well. I used to order from them years ago and I had signed up in my husband name and I was ordering from the Lane Bryant Catalog and one day he told me he needed some casual pants and Kingsize had sent a book to the house so I went online signed up an account for him and I got a pop up as well. He wasn’t big on credit cards so I didn’t try to get him a card . I was curious to see if I signed him up for Jessica London if he would get a card and as soon as I entered all his info I got a pop up. OF course none of that is working for me at the present time. I haven’t tried anything in his name