What is the Shopping Cart Trick? It is a trick to get credit cards without resulting in a hard pull in the process!
This method will grant you the option to receive store specific credit by soft pull, please note that a hard pull may be done in some cases. This valuable to you if you’re trying to earn rewards such as cash back bonuses despite how you are limited on credit cards.
HOWEVER, please be aware that you are adding more credit cards to your collection so the average age of credit card accounts will decrease resulting in affecting your credit!
Shopping Cart Trick Eligibility
- Opt-In For Credit Card Promos:
- You’re opted in for credit card promotions if you receive credit card promotions in your mail. You’re automatically opted in if you receive those offers UNLESS if you manually opt out.
- Applies To Cards Issued By Comenity Bank Only:
- Some cards issued by Synchrony & Wells Fargo will work too.
- Many retail stores partner with Comenity Bank to provide a credit card suited for that specific store. A list of qualifying stores will be provided below.
- Turn Off Pop-Up Blocker:
- Many credit card offers pop up, so if you have you pop-up blocker disabled, you might miss an opportunity. Have your pop-up blocker off!
- Be Aware With Your SSN:
- Credit card offers that require you to enter your full Social Security Number usually results in a hard pull. The offers that only ask for the last 4 digits of your SSN are not hard pull, so be aware and proceed with caution when applying for credit cards.
Can You Use The Shopping Cart Trick Via Mobile?
The Shopping Cart Trick can be done on your mobile device. It is possible to have the iPhone and the Android pull up the same pop-ups that are pulled up when you are on your PC. However, you must be sure you are visiting the desktop version of the site rather than the mobile version.
How Often Should You Use The Shopping Cart Trick?
The Shopping Card Trick can be used multiple times to get credit cards from many stores. However, banks will notice if you are opening too many accounts in such a short amount of time. Thus, be advised that you do not want to use this method too aggressively to avoid lowering your credit score.
Shopping Cart Trick – Stores That Qualify
- Abercrombie & Fitch
- Ann Taylor
- Bath & Body Works
- Brylane Home
- Buckle
- Coldwater Creek
- Express
- Gamestop
- HSN (card will appear at the very end of the check out process)
- J.Crew
- Jessica London
- JJill
- King Size Direct
- Loft
- Motorola
- MyPoints
- New York & Company
- One Stop Plus
- Overstock (Despite how it asks for your full SSN, it is only a soft pull, offers a nice high credit limit)
- PacSun
- Red Roof Inn (loyalty program sign-up required)
- Romans
- Sportsman Guide
- Total Rewards
- Venus
- Victoria Secrets
- Wayfair
- Woman Within
Comenity Bank Store Credit Cards
- 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 Next
- 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 &Â Garden Showplace
- Hot Topic
- HSN
- iComfort
- Iddeal
- Jared
- 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
- Roaman’s
- 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 StoreÂ
- The Room Place
- The Sportsman’s Guide Visa
- Tile Shop
- Tog Shop
- Torrid
- Total Rewards
- Trek
- True Value
- UBG
- Ulta
- Under Gear
- Value City Furniture
- Venue
- Venus
- Victorias Secret
- Vintage Kind Audio
- Wayfair
- West Elm
- Westgate Resorts
- Williams-Sonoma
- Winter Silks
- Woman Within
- Younkers
- Zales
- Z Gallerie
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
Synchrony Retail Store Credit Cards
- QVC Credit Card
- Walmart
- Lowe’s (YMMV)
Wells Fargo Retail Store Cards
How To Execute The Shopping Cart Trick
- Visit the website of the store that you wish to get a card from.
- Register/join their website or loyalty program. (Provide your personal information. Providing your address is a must since it allows them to send you promotions.)
- Add items to your shopping cart.
- Continue the check-out process until you reach the final payment page. If you have not received an offer, try again or try another website. NOTE: you do not have to purchase anything. The process ending up to the final checkout page increases your chance of an offer popping up.
- Accept the offer and complete the application.
Shopping Cart Trick Benefits
- Building Your Credit Score:
- Is your credit score bad? No worries! This trick will help you in the rebuilding process of your credit score. This trick will negate a hard pull on your credit, so it won’t reveal any negative information that will negatively affect your credit. Following this method, the borrower will be able to show that he/she can pay back the money despite having bad credit, so lenders will be more likely to loan money to him/her.
- Credit Card Bonuses:
- There are a variety of bonuses depending on the credit card you apply for. For example, a few cards may offer cash back bonuses or a few cards may offer store-related/partner-related benefits. Follow up on the credit card’s benefits by reading the full details!
- Ability To Request Higher Credit Limit:
- The typical limit on these types of credit cards is around the $500 range. Upon receiving your credit card, you have the option of requesting a higher limit to suit your spending habits!
Bottom Line
Looking to increase your credit score or get more deals from stores? If so, then the Shopping Cart Trick is the trick for you. Of course this trick is not for everyone, but if your credit score isn’t so great and want the benefits of a credit card, try this trick!
The process is fairly simple to execute and a great way to earn added benefits and rewards! Keep in mind to follow the eligibility requirements to receive the benefits of The Shopping Cart Trick! Let us know how this process goes for you by commenting below!
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