Shopping Cart Trick List 2020 [Updated] Comenity Bank

comenity shopping cart trick

How to use the shopping cart trick to apply for Comenity credit cards with fast credit approval.

Shopping Cart Trick – Get Approved for popular Comenity store credit cards for 2020

Welcome to my credit building article where I explain how to use the shopping cart trick. In my series credit fast, I outline a plan to help people establish credit trade accounts, one account at a time. In just one year I was able to improve my credit history profile dramatically. I did this all without a single secured credit card account. None of my credit cards have annual fees. Also, every one of my credit cards has a rewards program associated with them in some way. I have six major credit cards and one department store credit card. I was able to accomplish this from January 2016 to January 2017.

Many people would like to get their first credit card but have no established credit. When you have no credit getting your first credit card can prove difficult. There is a little-known trick that most people don’t know about called the shopping cart trick.

The shopping cart trick can be used by anyone. This trick to get store credit cards is most useful for those who have one or more of the following:

  • No credit history or Negative credit history
  • A low credit score
  • Bankruptcy
  • Too many credit inquiries

The shopping cart trick is offered by Comenity Bank. The best part of the shopping cart trick is that no hard pull inquiries are reported to the credit bureaus. It is important to remember as the name suggests there is a trick on how to go about this. Do not just choose a Comenity credit card you like and apply for it.

Shopping Cart Trick List of Comenity Bank Issued Credit Cards

Shopping Cart Trick - Credit Cards Issued by Comenity Bank
Abercrombie & Fitch
American Home
American Kennel Club
American Signature Furniture
Anne Geddes
Annie Sez
Ann Taylor
Arhaus Archarge
Ashley Stewart
Barney’s New York
Bealls Florida
Bed Bath & Beyond
Bedford Fair
Big Lots
Blue Nile
Brownstone Studio
Burkes Outlet
Camping World/Good Sam
Carter Lumber
Chadwicks of Boston
Children’s Place
Christopher & Banks
Coldwater Creek
Colombian Emeralds
Crate & Barrel
Crescent Jewelers Inc
David's Bridal
Design Within Reach
Draper’s & Damon’s
Earthwise Windows
Eddie Bauer
El Dorado Furniture
Express Next
Fashion Bug
Fuel Rewards
Friedman’s Jewelers
Gander Mountain
Garden Ridge
Giant Eagle
Home & Garden Showplace
Hot Topic
Jessica London
Kane Furniture
Kohler Generators
Lane Bryant
Levin Furniture
Linen Source
Little Switzerland Jewels
Marisota From JD Williams
Metro Style
My World
Newport News
NY&C (New York & Company)
Old Pueblo Traders
Orchard Supply Hardware
Palais Royal
Piercing Pagoda
Pier 1 Imports
Pottery Barn
Priscilla of Boston
Reeds Jewelers
Restoration Hardware
Samuels Diamonds
Saturday Night Live
Sharper Image
Shop At Home
Smile Generation Financial
Sportman’s Guide
Stage Stores
The Company Store
The Limited
Tile Shop
Tog Shop
Total Rewards
True Value
Under Gear
Value City Furniture
Victoria’s Secret
Vintage Kind Audio
West Elm
Winter Silks
Woman Within
Z Gallerie
The Shopping Cart Trick is not available for every credit card offer issued by Comenity Bank. Results may vary. At the bottom of this CreditFast article, we have listed stores that consistently produce pop-up credit card offers only requiring the last four digits of your social security number.


How to use the Comenity Bank Shopping Cart Trick for 2020

I am going to explain how to do this briefly. I want to focus more on this article on how I got the shopping cart trick to work for me. My experiences in some ways are unique, compared to the other posts I have read. I feel that you may gain from my perspective and expertise.

I will now quickly explain how to do the shopping cart trick. The shopping cart method will not always work every time. It may work on some store sites and not on others. You may go back next week and have a credit offer pop-up. There is no rhyme nor reason; have patience. From the list choose one to three credit card offers that interest you. I would accept credit cards from stores you like to shop. There is no point in establishing credit accounts in stores you dislike or rarely visit. You will need to make regular purchases from these stores and make on-time payments to build good credit.

Important Step before Using the Shopping Cart Trick

Before we start, you will need to disable the pop-up blocker in your browser. How the shopping cart trick works is that you go to the store website that interests you, and start to put items into the shopping cart. You do not need to purchase these items. Once you have a few items in your shopping cart, then proceed to the checkout. Choose “Check Out as Guest” if that option is made available. Fill out all the relevant information in the fields provided.

As you get closer to the point in time where the website will ask for payment information, it is around this time that a preapproved credit offer may appear on your screen. Typically the pre-approved application form will not ask for your full Social Security number. It will ask for only the last four digits of your social security number. When you see this, you will know that this credit inquiry will be a soft pull. A credit inquiry will not appear on your credit file as a hard pull. You need to make sure that all your information is current. Your address on file must be correct.

Proceed with caution when using the shopping cart trick

From reading other posts, many people have said that some companies like Overstock will ask you for your full Social Security number. From what I have read, Overstock will not do a hard pull on your credit file. This seems to be true for some companies like Overstock, but not with others. You need to be careful if you want to avoid hard pull credit inquiries.

Tips on how to use the shopping cart trick from Comenity Bank successfully

I have successfully acquired a credit card through the Comenity shopping cart trick, and only entered the last four digits of my Social Security number. Using the shopping cart trick is one of the few ways to avoid a hard pull when applying for a credit card.

There will be other times when you need to apply for credit. You will have no choice but to have a hard pull on your credit file. One example will be if you have less than four traditional credit lines. Limited established credit was the situation I was in. I wanted to increase the number of my credit trade lines to build credit faster. It apparently worked for me, but my credit score dropped in the process. This credit score decline was temporary. After four months my score started to rebound slowly because I paid my balances in full each month and kept my credit utilization below twenty percent.

My Experience Using the Shopping Cart Trick

I tried for Williams-Sonoma and was able to get the preapproved offer screen, but they asked for my full Social Security number. I chose not to apply. Next, I was able to successfully receive an Eddie Bauer preapproved store only credit card offer. I nearly accepted, but I chose not to complete the application. Although I like the Eddie Bauer store, I did not think I would use the card enough to justify opening an account. I already had six credit cards, and it is not a good idea to keep applying for new credit. If I had had three or fewer credit accounts, I would have accepted the offer.

The Shopping Cart Trick worked for me!

The last visit I made was to the Sportsman’s Guide website to apply for the Sportsman’s Guide Visa credit card. They only asked me for the last four digits of my Social Security number. Some people get an instant approval online, but I did not. I received a message that the application needed to be reviewed. Two weeks later a letter arrived at my home offering me a preapproved offer.

I went online and accepted the preapproved credit offer. A week later I received my Sportsman’s Guide Visa card in the mail. I believe that I did not get an instant approval because in the course of one year I had opened six other credit card accounts. The application I submitted was reviewed more thoroughly and after further consideration approved. Many people believe that the Sportsman Guide Visa card is the easiest major credit card to get approved for.

Read more about the Sportsman’s Guide Buyer’s Club™ Rewards Visa® Credit Card. In this review article, I have included the Guide Shopping Cart Trick application link. This application only requires the last four digits of your social security number. You do not need to visit the Sportsman’s Guide site and go through the process of getting a pop-up. Learn why I think the Sportsman’s Guide Visa is the best Comenity Shopping Cart Trick credit card. Also, check out the reviews on the Comenity Wayfair Credit Card and Express Next Credit Card.

How to use the shopping cart trick for bad credit

I have had an established credit file for more than 20 years. So I can’t speak from personal experience if a person with no credit can get approved for a Sportsman Guide Visa credit card. Major credit cards even from Comenity are always harder to receive approval. The store card I hear about as being the easiest to get approved for is the Victoria Secret credit card. I can understand if you are male you will have little need for this credit card. You may be just as successful if you try the shopping cart trick with Eddie Bauer.

Do not expect to receive large credit lines with the Comenity Shopping Cart Trick. If you have established credit, you will get a larger credit line. People that have no credit or poor credit may receive credit lines around $300. A $300 credit line provides an excellent opportunity to establish a positive credit history. Most, if not all of these credit cards have no credit card fees associated with them.

How to use the Comenity Bank shopping cart trick responsibly

Do not apply for every credit card on the shopping cart trick list that offers you a soft pull offer. There are two reasons for not applying for every Comenity card on the list. First, you would not be the first person with this brilliant idea. People have done that and have been approved for as many as 10 or more store credit cards. Recently I have read in credit forums on the subject of applying for multiple Comenity store cards. What I have been reading is that now if Comenity sees that you are opening a large number of store credit card accounts, they may close all of them.

The second reason would be, in 10 years would you still be using all of these credit cards? Always choose to apply for credit cards that you can use long-term. If you are 20 years old now, you may not see yourself shopping at Abercrombie and Fitch at 30. Always apply for credit cards you intend to use regularly and keep for a lifetime. Older credit accounts are better to have; they show a long record of established credit history. Credit cards should rarely if ever get canceled. Sometimes there are excellent reasons to close a credit account, and only you can make that decision.

Consider Getting a Major Credit card for Bad Credit

Many people hate the very idea of credit cards for bad credit and for good reason. In the past, many of these credit cards had very high fees. There are new bad credit offers that have much lower fees. Two examples are the Capital One Secured MasterCard and the Discover it Secured credit card. These credit cards only require a security deposit between 50 and 200 dollars for a 200 dollar credit line. Also, neither of these major credit cards have an annual fee. There is a hard credit pull, but building new positive credit will in time counteract that drop.

Link to compare bad credit card applications

Free Way to Build Credit – Comenity Bank Shopping Cart Trick

In conclusion, it is a good idea to apply for a Comenity credit card using the shopping cart trick. This method for applying for store credit is a free way to establish credit accounts without incurring annual fees and other credit card charges. In the past, the only option to repair or establish credit was to apply for secured credit cards. With some of these secured credit card offers you had to pay hefty annual and monthly fees to acquire them. Credit card fees are no longer the reality. So, most individuals now qualify for a better option to build credit fast or repair credit by using the shopping cart trick.

FaceBook Group: Banks With Easy Credit Card Approval
Do you have more questions about the Shopping Cart Trick? This is a brand new group. Many CreditFast visitors had further questions about getting approved for credit with bad to fair credit scores. Posts deal with the latest news to the Comenity store card application trick.  Learn what Comenity Bank pre approval pop ups are featured and trending. Learn from other member’s success stories on how they were able to get approved for the shopping cart trick cards. Also, learn about credit card deals from other banks, including low fee or no fee major credit cards.

Shopping Cart Trick Update January 2018:

I have made a list below of the credit card offers I was able to obtain a pre-approved pop-up through using the Comenity shopping cart trick method. I made this list because I saw other sites list fifty or more Comenity Bank store credit card offers. Not all of Comenity Bank credit cards use the shopping cart trick method. Regularly I will try other store sites and continually add to the “real shopping cart trick” credit card offers.

CreditFast YouTube Video: How to do the Shopping Cart Trick Tutorial in 2020

February 2019 Update – List of Comenity Bank credit cards I was able to receive a pre-approved credit card application Pop-up

  • Ann Taylor
  • Ashley Stewart
  • Brylane Home Credit Card
  • Buckle
  • Eddie Bauer
  • Express
  • J. Crew
  • J.Jill
  • Lane Bryant
  • Jessica London
  • Loft
  • New York and Company
  • Pier 1
  • Sportsman’s Guide Visa
  • Victoria’s Secret

This Shopping Cart Trick pop-up list is intended to be a quick-start list for obtaining store credit cards using the Shopping Cart Trick. These are stores from which I was able to receive a pre-approved credit card offer to pop up on my screen following the “shopping cart trick” method. I have saved people the time of going through the cumbersome process of testing individual store credit card offers. These store credit card applications only required the last four digits of a social security number. Only requesting the last four digits makes this a soft pull on your credit report.

Please note that I only completed the full application process with the Sportsman’s Guide Visa. In order to receive the Sportsman’s guide Visa, I only provided the last four digits of my social security number. No hard pull appeared on my credit report from applying for the Sportsman Visa when I reviewed my credit report.

My pop-up results may differ from yours. The Shopping Cart Trick Pop-up list is to identify which stores actively employ the real shopping cart trick method. In two instances I needed to go back at a later date to get the pop-up to appear for me. I will continually update this list and add more store credit card offers that work using this store credit card trick. So please check back regularly to see new Comenity store credit cards added to the shopping cart list.

10 Best Store Credit Cards to Build Credit With Easiest Store Credit Card Approvals

Recommended Credit Card for Fair Credit History: Blaze MasterCard

Bonus No Hard Inquiry Prequalification! – November 2018 Update

Kohl’s is not part of Comenity bank but they offer a soft inquiry store credit card prequalification application as well. In addition, you do not need to do the shopping cart trick. Just apply! Keep in mind that getting approved could possibly be more difficult. If you pass prequalification and decide to complete the full application that will count as a hard inquiry. This link in the graphic below will take you to the written pros and cons review and YouTube video review. Please comment on YouTube whether you were able to get approved or not. This will help our community know whether this is an easy approval credit card. The soft credit inquiry prequalification application link to the Kohl’s Charge card is found in the Kohl’s review article.
Kohls Credit Card Application

Consider Secured Major Credit Cards to Build Credit

CreditFast has reviewed the best credit cards on the market. Some of the credit card offers are from our advertising partners. CreditFast has objectively reviewed the features and benefits of each credit card. We have chosen credit card offers based on our editor’s recommendations.


Cash Back Credit Cards

  • Kelly Brannen Link Reply

    I’ve tried everything for days and days. Not one single pop-up. I don’t have bad credit. I have new credit. One SC & a FingerHut account. Both on time and current. Only open for 2 months though. I do have 2 small medical bills on TU & 3 on EX & EQ. Those are the ONLY accounts &/or negatives on my credit. I don’t have a FICO score bc age of accounts are so new. I am using Chrome with an incognito page. I know pop-ups are working because they come up under my Dad’s name. Will the trick just not work for people with brand new credit?

    Thank you for any help. I’m feeling VERY discouraged about building credit because no one will give you a chance.

    • From what you are telling me I think you are correct. Your credit history is too new. I will try to do a little research to see why that is, and if anything can be done. If I find out any way to get the shopping cart trick to work for you I will get back to you. Don’t feel discouraged. You are well on your way to establishing credit. Lenders are nervous extending credit to people who do not have established credit. You said you have a secured card. If you are still having a problem with the shopping cart trick you can try getting a Capital One Secured Card. I recommend it because the security deposit ranges from $50 to $200 for a $200 credit line, and there is no annual fee. It is the lowest fee secured credit card that I know of.

      The fastest way to build your credit score is to always pay your statement in full each month and to use less than 20% of your available credit line. I know it’s frustrating now, but if you follow my advice, in six months, you will have established more credit and a better credit score. You may even be able to get approved for unsecured credit.

      • Kelly Brannen Link Reply

        Thank you so much for your reply. Yes, I have a Capital One card. I have only had it a month and I’ve had FingerHut two months. I pay on time. However, I did use my CO card thinking I’d follow this one lady’s advice about maxing it and then paying in full before they report. Problem is, they reported the new account the same day I paid so it showed I only had 1% avail credit & it brought EQ down 30 points. I was horrified. I don’t even have a FICO score because my credit is so new. That’s the only thing I can think of as to why I haven’t gotten one single pop-up offer. I did apply for 3 cards in my dad’s name and he’ll put me on as an authorized buyer. It is so discouraging. Everyone seems to be able to get the SCT to work. It’s like I’m cursed. I know that ppl with new credit have gotten these cards so it just seems strange that it won’t work for me. I don’t even want to purchase with them. I only want them for credit rebuilding & ironically, the only one I’m interested in is Victorias Secret & that’s supposed to be the easiest!! Lol.

        • It looks like you are well on your way to building credit. Truly there is a lot of bad advice out on the Internet. This year I have added a lot of articles to answer many of the questions you have in building credit. Where I put ” ” put that key term in the search box of this site and it will bring up the article.

          There are two ways to build credit the conservative approach, and the high octane approach you and I have taken. Both work in the end. Since you go for the high octane approach let me tell you what you need to do now. You applied for too many credit cards in a short period of time. This will wreak havoc on your credit score. You need to stop now and do what is called “credit gardening”. It seems like you have about five revolving trade accounts established. For your age, you have enough. At this moment the credit bureaus see you as an extreme risk because you are opening so many new accounts and you have no established credit. They fear that you may just be opening lines of credit to default later. I had a credit score of 708 and I opened five accounts in two months. It dropped my score to 651. I knew this would happen, but I wanted to build a higher credit score. So far I spent the past seven months credit gardening. I have not opened any new accounts. I pay my balances on time and in full. I use no more than 9% of my credit lines. Now my credit score not only rebounded but is at 725. Having multiple credit accounts can help build credit by demonstrating you can use these numerous lines all responsibly. Remember always pay in full and use no more than 9% for this to work. I will not apply for any new credit card unless I can get a card with excellent perks. That will also require excellent credit, and I am not there yet.

          You have a Capital One account so continue to use CreditWise and monitor your credit score. If you were later to apply for any new credit it should be an installment loan account like a “credit builder loan”. You have enough revolving accounts; you want to add different types of credit to add to your “credit mix” which makes up 10% of your credit score. You are young so it may take a long time to earn excellent credit because “age of accounts” also factors into your credit score. I hope this helps.

          • R. Golden Link

            Ok Guys be careful with comenity bank, i got 8 cards through the shopping cart track in January, 2 weeks later the closed every card i got in January, but they let me keep the cards i got in Sept last year, VS, overstock, jcrew and Buckle, they gave me goodsams visa, and overtons mastercard in april and closed both within days. they said too many inquires. i just got approved for Sportsmans Guide, gave me cl of 3500.00.i am hoping they don’t close it. its sad but true, score is 688 per credit sesame. all were soft pulls by them but they said they are still inquiries, go figure. Please Comenity dont close this major cc.

          • Nikol Hull Purvis Link

            they closed them because you opened too many in short time span and they considered it suspicious activity. You needed to call in and verify it. It is normal when you have a high rate of inquiries. It looks like you are shopping and desperate I have found.

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