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 been working on my credit and disputing a couple of things. . score went up to 601-590. I applied for capitol one got approve with 300 limit. . Month later tried Walmart store card got approve with a 250 limit. Very hard pull score dropped ten points. Last night tried the trick of VS and got approves for a 350 limit.. I will keep trying with the trick. Don’t need any more hard inquities.
I tried using this trick yesterday for the first time, and got it to work for Ann Taylor, J.Crew, Limited and Boscovs. I tried VS and Buckle which I would really like to get approved for but no luck. how long should I wait to try again for VS and Buckle? I used incognito mode for everything. Thanks everyone!
What are some of you talking about when you use 0’s for your social security (when the cart trick doesn’t work)?
I think they are talking about just simply applying for the card when the trick isn’t working & when you get to the ss# part of the application, instead of entering your full ss#, some people have been putting all zero’s except the last 4, hoping that it is going result in a ‘soft pull’ but unfortunately- that isn’t the case, it still ends up resulting in a hard pull being done.. So if you don’t want to risk the hard pull then I wouldn’t recommend doing this….
Yea, I figured that out much too late. Sigh…got another hard pull.
Thank you for your reply-once again-Bret 🙂
Actually if you wait patiently you will find that the “hard pull” magically disappears after a month to 3 months…. I have done that trick on 4 comenity bank cards so far and all have gone away.
Peir 1 did a hard pull even though I filled all zeros on my SS# except for the last pull, so please be careful with doing that.
Did the hard pull from Pier 1 fall off? or is it still showing up? I made the same mistake.
I thank everyone for all the comments left on this site. The only credit I had back in March 2016 was a car loan. My credit score was under 600. I applied at my bank Chase and got the Freedom card, then Slate Card. I used the Shopping Cart Trick and received the Victoria Secret, Express, Limited, Loft, New York&Co, Sportsman Visa, Wayfair, Overstock, Simply Be, Eddie Bauer and Woman Within. They all gave me the pop-up and asked for the last four digits of my social. I also got approved for Capital One and Quicksilver Card. I then received pre-approval emails for HSN, and Ashley Stewart, where I shop frequently. This month (Sept) I received pre-approval letters in the mail for Chevron/Texaco charge card and Walmart charge cards, I accepted both online. My Credit Score is now 677. And Chase has pre-approved me for a Home Loan. I am a Single Mom that has been through alot of changes over the years and have put myself through LPN school to be a Nurse and finally seem to be moving ahead. So Thanks To Everyone for Sharing their story. I hope My Story will help someone as well. Good Luck All
how do you know what address they are using and name and off of which report? also, has anyone gotten ulta or dsw to work?
I also wonder what report they are soft-pulling from. Does anyone know the answer to that?
for me its been Equifax, Every time!
it will mainly work with store cards (not branded with Visa / Mastercard). I rec’d an offer for Ulta in the store, but declined – not necessary.
I have gotten VS (350)to work and boscovs but I didn’t proceed with boscovs I didn’t find any use but now I wish I would’ve because I can’t get any other pop up. I really want the overstock CC. Can anyone give me any tips to get it to work. I cleared cache and cookies and tried multiple emails and it’s still not working
I got VS and boscovs initially I declined boscovs but reconsidered when I tried to get the pop up it wouldn’t come back up so I used a different email address and it worked. I really want the overstock card but I haven’t had any luck.
Does it matter is you have your equifax credit report locked?
Overstock did not work, hard pull even…. Sept 2016
I tried quite a few cards and was denied but I just got my 7-10 day letter from JD Williams and when I called to verify my information, I was approved. Waiting for packet in the mail with credit limit.
Ugh! I can’t get any of them to work for me! I have done it over and over again on my desktop, my iPhone AND my iPad. I don’t know what I am doing wrong. It is so discouraging-to say the very least. I have cleared out my browsing history over and over again, tried it on Internet Explorer and on Chrome (incognito mode). Does anyone have any advice?
There are a couple of factors why it might not be working-Your credit score might not be where it needs be or when you are entering your information, it might not be identical to what’s on your credit report. For instance on your credit report, it could be reporting your address as- 123 Main St but you could be entering 123 Main Street, I think for the trick to work it has to be identical to what’s on your credit report, maybe you should get a copy to be sure… Hope this helps…
Thanks Bret. I pulled my reports this morning. It looks like my info is matching but who knows. I have been trying over and over again. Nothing has changed for me. I really appreciate the response though.
You are welcome. I’m glad you pulled a copy bc at least you know for sure that your info is correct. Did you try going to Victoria Secret? That’s usually the easiest one.. I remember when I first starting doing this, that is the first site I tried & it worked on the first try!! But if you tried everything else the only thing I can say is wait a couple of weeks & try again… Good luck!!