Shopping Cart Trick – Get Approved for popular 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 dramatically improve my credit history profile. I did this all without a single secured credit card account. None of my credit cards have annual fees. In addition, every one of my credit cards have 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 December 2016.
Many people would like to get their first credit card, but have no established credit. When you have no established 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 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 certain credit cards offered by Comenity, there is no hard pull that reports to the credit bureaus. The fewer credit inquiries a person has on their credit file, the better. It is important to remember as the name suggests there is trick on how to go about this. Do not simply choose a Comenity credit card you like and apply for it.
How to use the Comenity Bank Shopping Cart Trick
I am going to briefly explain how to do this, but I recommend reading other articles from other blogs to get a better explanation on how to execute the Comenity shopping cart trick. 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 experience.
I will now quickly explain how to do the shopping cart trick. Search in Google to get a full list of Comenity shopping cart trick offers. The trick 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 or reason, so have patience. From the list choose one to three credit card offers that interest you. I would choose 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 in order to establish 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 proceed to the checkout. 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. Normally 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 with some companies, but not with others. Proceed with caution. The fewer credit inquiries you have the better.
Tips on how to use the shopping cart trick successfully
I have successfully acquired a credit card through the 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. Even if you have no established credit, I would still avoid a hard pull using the shopping cart trick. 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. Hard pulls remain on your credit file for two years. They take a long time to clear, 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 less 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. 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 to 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 receive an instant approval because in the course of one year I had opened six other credit card accounts. The application I submitted was reviewed 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 receive 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 positive credit history. Most, if not all of these credit cards have no credit card fees associated with them.
How to use the 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 cards. Recently I have read in forums on the subject of applying for multiple Comenity store cards. What I have been hearing is that if Comenity sees that you are opening a large number of 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 keep for a lifetime. Older credit accounts are better; they show a long record of credit history. Credit cards should rarely if ever canceled. Sometimes there are very good reasons to close a credit account, and only you can make that decision.
In conclusion, it is a good idea to apply for a Comenity credit card using the shopping cart trick. This is a free way to establish credit accounts without incurring annual fees and other credit card fees. In the past the only option was to apply for secured credit cards and pay heavy annual and monthly fees to acquire them. This is no longer true. Most individuals now qualify for a better option to build or repair credit by using the shopping cart trick.