Shopping Cart Trick – Get Approved for popular Comenity store credit cards
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, but it is most useful for those who have one or more of the following:
- No credit history or Negative credit history
- A low credit score
- Too many credit inquiries
The shopping cart trick is offered by Comenity Bank. One of the best parts of the shopping cart trick is that when you apply for individual credit cards provided by Comenity, no hard pull reports 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 Kennel Club|
|American Signature Furniture|
|Barney’s New York|
|Bed Bath & Beyond|
|Camping World/Good Sam|
|Chadwicks of Boston|
|Christopher & Banks|
|Crate & Barrel|
|Crescent Jewelers Inc|
|Design Within Reach|
|Draper’s & Damon’s|
|El Dorado Furniture|
|Home & Garden Showplace|
|Little Switzerland Jewels|
|Marisota From JD Williams|
|NY&C (New York & Company)|
|Old Pueblo Traders|
|Orchard Supply Hardware|
|Pier 1 Imports|
|Priscilla of Boston|
|Saturday Night Live|
|Shop At Home|
|Smile Generation Financial|
|The Company Store|
|Value City Furniture|
|Vintage Kind Audio|
How to use the Comenity Bank Shopping Cart Trick
I am going to explain how to do this briefly. I want to focus more in 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 preapproved 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
When you read other posts, many people have said that some companies like overstock.com will ask you for your full Social Security number, but they will not do a hard pull on your credit file. This seems to be true for some companies, but not with others.
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. I could not afford another hard pull credit inquiry on my credit file. 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, and 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.
Credit Fast Credit Fact:
Hard pull inquiries remain on your credit file for two years. The impact of a hard pull will lesson after six months. However, they take a long time to leave your credit report completely, and if you have too many, you could be denied for credit.
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, for fear that they would do a hard pull. 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, and 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.
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 keep hearing 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 in the past 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 canceled. Sometimes there are excellent reasons to close a credit account, and only you can make that decision.
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 was to apply for secured credit cards and pay hefty annual and monthly fees to acquire them. Credit card fees are no longer the reality. Finally, most individuals now qualify for a better option to build credit fast or repair credit by using the shopping cart trick.
Shopping Cart Trick Update March 2017:
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, but not all of them use the shopping cart trick method. From time to time I will try other store sites and continually add to the “real shopping cart trick” credit card offers.
June 2017 Update – List of Comenity Bank credit cards I was able to receive a pre-approved credit card application Pop-up*
- Eddie Bauer
- J. Crew
- Jessica London
- Pay Pal – Does not report to credit bureaus (Apply through Ebay)
- Sportsman’s Guide Visa
- Victoria’s Secret
*This is intended to be a quick-start list to obtaining store credit cards. 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. Please note that I only completed the full application process with Sportsman’s Guide Visa. My pop-up results may differ from yours. This list is to identify which stores actively employ the real shopping cart trick method.