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 read numerous articles on the Shopping Card trick, and have read a lot of the comments that followed. There is one question that I have not seen asked or addressed.
Here goes: If I went to a website, let’s say Ann Taylor, for example. I entered my info, whether it is through registering, or checking out as a guest. I did not get a pop-up (and I followed the correct steps, opt-in, no cookies, clear cache, clear browsing history etc), so since I didn’t get a pop-up, no preapproval.
So, if I want to go back a few days, weeks, etc. later, since I would already be registered from before, would I get a pop-up preapproval? I read some people go back at a later time and get approved.
What do you do (if anything) different the second time as opposed to the first try?
Also, how do you delete or cancel your registration on those websites?
When it happened to me I kept the accounts and checked out as a guest, when it popped up I had to sign in to get the approval…..
I had to use a different email.
Yes. This has happened with me with Wayfair. I thought that I might need to set up a new account under a different e-mail so I did. It took 5 months of trying weekly, but I finally got the pop up on the original account that I set up back in November 2016. I got the pop up in March 2017. Wayfair requires that you be logged in to an acct to continue checkout process so I didn’t have a choice to checkout as guest. Still working on getting Pier1. I have Brylane Home, Express, VS, Boscov’s, Sahalie, Overstock, and NY&Co. NY&Co and Boscov’s were the only ones where I was signed in as a guest. I think the process for some of these is unique to the company. For some, I got the pop-up the second I put my cursor into the cc payment field, and others, I didnt get it until I went to the order review page, or the step just before finalizing.
If I checkout as a guest, what happens if I enter all my credit card info and click, will that deduct money from my debit card…I have been afraid to click past the payment page after entering my credit card info for fear of it going through. Does anyone know what happens next?
I only do it if it says that I can still review my order. If it says submit or place order, I do not proceed. Also, you can use an old prepaid card – sometimes ill put in an old visa gift card with a 0 balance or my bluebird prepaid card which has no money on it – if im unsure about whether the debit would go through. It never has though.
Thank you so much I have been waiting for this answer that is such a good idea. I have been approved for almost all of the credit cards but for some reason Herbergers and Chadwick’s will not approve me.
Works good on Wayfair…….1500.00
Good for you! I couldn’t get it to work for Wayfair. Did the application anyway and it just asked for the last four social numbers but afterwards, it said my app was in review and I would hear from them in 7-10 business days. From my past experience, that means it’s a “no”. Oh well, I’ll try again in a month.
SCT works for Capital One stores too! I was just shopping on the Khol’s site and the pre-approval popped up right at the end of checkout. My credit is not great (576) so I was very suprised. CL was only $300 but it’s a start to start rebuilding my credit. I was also able to get Commenity Bank cards through SCT at Buckle, Ann Taylor, VS, Overstock, Brylane Home and NY&Co.
Is there some kind of technique to this, because I got approval from some stores but not others and they are all Comenity, I don’t get it.
It doesn’t work for everyone at all stores. I haven’t figured out what. I have tried several and had no luck. I will say that I kept trying VS and finally got a pop up on my cell phone.
Overstock – $4500 CL
HSN – $4000
Pottery Barn – $2500
All in same day, all SCT, all asked for full social, all were a soft pull.
I created (or logged in) to account prior to heading towards shopping cart.
This absolutely works. Love it!
Can you explain better ???
Overstock uses Synchrony bank……I got the pop-up and a HARD pull from Synchrony!
I got the pop up from Overstock a month ago. No hardpull and I just received my first bill. It’s Comenity.
I’m hoping for a soft pull but when I called OS the same day to change my email address the girl said I would have to call Synchrony Bank and she gave me their phone number…….I’m hoping she was wrong, but I don’t know why she would tell me that, will find out in a few days.
That’s odd, I have Overstock and its Comenity bank not Synchrony Bank. I got the card about 2 months ago.
Overstock MasterCard must be Synchrony and the store card must be Comenity. I have the store card and that is Comenity, it was a soft pull.
Hmmm … I got SP from Overstock (750 cl), but Walmart’s was Synchrony and HP
Received a pre approval via email for Ashley Stewart the app is asking for a full SS will this be a hard pull? Comenity seems to pull Equifax for me and I have it locked at this time.
I’ve been able to get it to work at Ann Taylor, NY&Co and Buckle. All three start with a $250 limit. I saw the pop up at JCrew but when I submitted my information it did not give me an instant approval. I only have two credit cards and my score is low (576) so you do not need to have perfect credit to get this to work.
I got the following cards using the trick…
Victoria Secret – $500 (can’t wear any of their stuff so I really got it to use at Bath and Body Works lol)
Ashley Stewart – $250
Overstock – $250
I couldn’t get the trick to work with Lane Bryant (after trying multiple times and was always declined, I waited a few months and tried again) and got approved for $300.
When you tried Lane Bryant the second time after waiting a few months, were you already registered from when you tried the first time? Did they have you info already on file where you just had to sign in using your password and email? I have asked this question on so many places but no one seems to answer it. Thanks
Barbra, I use to work for Lane Bryant years ago so I was already in their system. However, back then, my credit was very bad and I was always denied whenever I tried for the card. I was needing to order something for a friend’s wedding back in April of this year and since it had been about three months since I last applied, I decided to try again. I had also been working on my credit as well so that probably helped me. I applied directly and didn’t know about the shopping cart trick until I came across this page earlier this month. It was a hard pull I think with Transunion but it really didn’t affect my credit score but by 5 points so I wasn’t too bothered by that. I did get the SCT to work on Overstock, Simply Be, Ashley Stewart and Victoria’s Secret.
Thank You
You’re welcome!
ok this thread is the best, I have a question for you nice people. I got approved for $1000 using the S.C.T w/pottery barn but the asked for my full ssn, will that result in a hard pull or is still soft?
it will be a soft pull. mine was only soft via sct and i used my full social
A quick question…does the pop-up occur after you hit the payment option button or does it pop-up after you type all of your information in (right before you hit the payment option)?