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!
Does anyone know how long it takes for the OPT IN/OUT to update so that you are able to do this?
i tried for the overstock card 36 times using different accounts , devices , etc. it simply does not work. There has got to be a sure fire method of getting this card.
I just got the card. Took me 6 months and when I finally got the popup this weekend I closed the window by accident! A few days later I received a pre-approval email for it.
Used the pre approval code and I was approved 2 days ago.
Give it time. I noticed that my middle name is on my credit report and on several cards but Commenity doesn’t use that report.
Take a break for a week or so. It will eventually be approved.
Good luck!
I have been trying for Overstock over and over as well, It’s frustrating. My name also has my middle initial on all of my credit reports. Most of these sites don’t allow for that. Not sure how to rectify it other than writing to all of the credit reporting services and asking them to remove it.
Speaking of Overstock, one of the things I don’t understand is, the payment option is on the very same page that you enter you name, address and etc – so it would seem that the SCT is not as reliable as it is with the other sites.
Overstock is using Synchrony Bank…..I got the pop-up, then realized it was synchrony after applying. Got $2000.00cl…..and a Hard Pull.
This works, HOWEVER the more accts you open the more your credit suffers. It may not be a HP but opening many accts. doesn’t look good on your credit report either.
If your looking to buy a house or a car at the same time you open all these accounts then no… but if you wait a year or 2 then yes it does help your credit as long as you use them responsibly and pay them off / and on time.
Absolutely!
just for those tuning in now….. Use this info at own risk. I was dumb enough and shall suffer 7 more years of turn downs and hard pulls. I lost 100 points for my terrible judgement. As with all things, we are the master of our own hell and for pitied sakes don’t listen to the hype about this working at overstock. I have the letter in writing to prove it !
Was the judgement related to the credit carts or something else? I want to make sure I don’t make the same mistake.
What do you mean?
Hello Everyone,
I have a question, If I did not opt in to receive credit promotions. The process of shopping cart trick won’t work ? Is that correct? Just want to clarify. I tried to do the shopping cart trick without opt-in. Once I opt-in, can I try the shopping cart trick again with the same company? I am trying it for New York and Company and Victoria Secret. I tried with them but missed a step. So my question is can I still try again with these companies? Happy Sunday
I never opted in and tried it and it worked for. VS, Boscovs, HSN and Wayfair. I tried to do it for my boyfriend and it’s simply not working so I decided to opt him in just in case to see what happens. So to answer your question you still should be able to do it unless you opted out if not you just have to keep trying take a break and try again.
How long in between should I wait to re try the trick? I am trying for express and having. I luck. I have gotten this to work with j crew, wayfair, loft, buckle, and limited. I would like to use for forever21 as well. I have received emails asking me to apply for f21 but nothing with pre-approved. Can someone explain the pre-approval email?
It worked for me finally NY & Co , I also got preapproved in Ulta(in store) . No luck with the others want a visa/master card so bad
Does Bath and Body have a credit card, i dont see it on there website
You can use the Victoria Secret credit card
Your welcome. Good luck!
Which credit bureau do they pull from for the shopping cart trick. I haven’t had any success with any of the cards. No pop ups show up.
I was wondering the same thing Cathy. Another question I Had was whether or not anyone had any luck with trying it in the Firefox browser (in private mode).
I believe they use equifax. Also don’t know about using the SCT with Firefox, although I heard it does work with it but I use chrome & the SCT has worked fine for me…
I use both Firefox and Chrome. Be sure to clear out the cookies either way. And I believe they pull from Experian. The key is for the address to match exactly and your name. If you have a middle initial but its not on any of your cards, do not use the initial. If you live in an apartment.Is #3 or APT 3 listed? It must match exactly. Good luck!
I have only had success with Firefox – I have tried other browsers with no luck. I got Buckle, VS, Loft, Venus, Simply Be, and NY & CO with the shopping cart trick. I applied for Ulta with full SSN because I really wanted that card and it was instantly approved. I also did full SSN for Boscovs, Overstock.com, Beals, Peebles (in store), Elderbeerman (in store), Coldwater Creek and got the 7-10 day letter response with all of those – when I got the letters they asked me to call and verify my information, once I did that, all of those accounts were approved – with the highest one being Boscovs for $750.
I did the credit line increase request for both Boscov’s and Overstock and they were both instantly approved – I just had to give them my annua salary, Boscovs went up to $1250 – and Overstock increased another $200, and I haven’t used either cards.
I have tried going incognito on Chrome, and other browsers, but they just don’t work for m 🙁
I have over 50k in student loan debt – past due on my credit – and was still approved for all of those cards – so don’t lose hope! Just keep trying 🙂
Would you mind providing your FICO since you got approved for ulta? i want to apply but definitely don’t want an inquiry 🙁
You could be entering an address wrong or your credit might not be where it needs to be in order for the trick to work…. If you haven’t already, why don’t you sign up for credit karma- it’s free. You can also dispute stuff on there & it could get removed which can bring your score up…
Thanks for the reply Bret. Yes I need to work on my credit report. My Transunion and Experian scores are definitely better than Equifax but neither are great.