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!
Has anyone ever had Chadwicks, Herberger’s, Dress Barn, Bed Bath and Beyond, Talbots, ZGallerie, Spiegel, DSW, Spiegel, Crate and Barrel, or Linen Source? I don’t think I have heard most of these mentioned.
Chadwick’s and speigel gave been known to work
I just did the shopping card trick the other day on the Boscov’s website , I went ahead and put a few items in the cart around $60 worth and then went to checkout as guest, I filled in all my information but used an old address from my transunion credit report and then went to the credit card part and just started typing random cc numbers and a pre approved box came up with a credit limit of $250 came up. Make sure to change the address back to your current address so it doesn’t get sent to the old address you had used or if you did use and old address. I have had several other pre approved offers on other websites as well but they all pop up in different parts of your checkout.
Just got Boscovs today and got VS a couple of weeks ago! Still can’t get OS to work but I’ll keep trying. Good luck everyone!!
Good job it took me forever to get Overstock and HSN I got Victoria’s Secret spress Bosco Wayfair Brylane Home Allwood pretty easy efforts some of them I had to use my old address and I’m just call immediately to have them updated to send the card to my new address
I found if you use
Chrome search incognito
The pop ups happen easier
But I’ve tried
Boscovs and overstock I think 10 times each now with no luck
Also tried woman within , jjills, j crew no luck
Anyone have any other great ideas or info on the shop cart tricks ?
Thanks
For Boscov’s I clicked the credit card button on the page and it asked me if I wanted to be pre-approved (someone else’s suggestion). It worked! Only my last 4 of my ssn. $1000 limit. Hit the luv button and it’s is now $1750. No hard pull.
I was finally able to get the express pop-up today (multiple times) but when I hit the submit button it doesn’t do anything. Someone please help!
It’s a glitch
Clear everything out again
This time use same info as before address name ect
When it pops up
Look for accept button
Close everything off and you should get a approval via email
Good luck
The shopping cart trick for victoria secret worked under my husband’s name and his credit score is 575 then he went ahead to apply and it said he would be notified in 7-10 business days by mail. I am assuming he was denied after the pre qualified so I tried to,see if it would work for me and nope nothing and my credit score is about the same if not a little higher.
I’ve got
Coldwater 500
Victoria 300
Roamans 500
Wayfair 300
After that I’ve tried 3 weeks with numerous sites and emails NO MORE POP UPS
any idea what I can do to get
GameStop
Over stock
Jill?
Help
Hi I got the gamestop card for 300. you have to have a power up gaming card if not it will give you one when you sign up for an account at gamestop. There is no pop up for this card you have to put all your info in I was approved right away and had to wait for the card to use it.
Got approved for BrylaneHome for $500 using the SCT.
Okey I got this on overstock on the Hardpull… There is something i wana know….
Congratulations!
Your Overstock Store Card has been approved for a credit limit of $8000!
Your card and a 10% off coupon are ready to use at checkout.
Current Cart Balance: $234.37
Remaining Balance if you checkout now: $7765.63
.
Now my quesion is . Can i ship or use my new address on the soft-pull application. because i tried that and i got declined with my new address. But when i tried again with the hard pull on overstock it got me approved with my old address. can you educate me on how to use new address or ship to new address when I get approved. im just confused. someone explain to me.Thanks
All i did with a few of these tricks was call the store and tell them your computer did an auto fill with old address. Then give them the one you want to use. Worked for me with tje cards and sent items.
I have had some good luck with getting some great cards. The one I want is big lots. I applied and rec a letter to call. The rep said I was not declined it had something to do with my address on my credit report. He told me to actually go in the store next week and apply in person and they will give me a 1 time shopping pass. Has anyone had this happen?
Has anyone had any luck with Dillard’s SCT? I don’t seem to be able to get the pop-up. What about Barney’s NY?
Thanks
No I tried Dillard’s a total 10 times nothing
I can never get it to work for Sportsman Guide……has anyone had any luck with it? I went through the entire checkout but no pop-up.
SG… Nope, and lord knows I tried and I have been successful with a 3 other sites…. but no Sportsman G.
you have to add their membership to your cart with an item or more, if that doesnt work still put it in the cart and try previous addresses, some reports list old addresses first and it makes the credit company think its you new address. it happened to me and my bf