One of our most popular posts is about the shopping cart trick, basically this trick lets you get store credit cards without a hard pull by signing up for an account and then getting a pop up offering you to apply. Reader ZiggyZ let us know that this is also possible when signing up for a checking account with KeyBank, I’ll let his comment explain this in a bit more detail:
I Found a NEW SCT, or should I say a BCT (Bank Cart Trick)
Per DOC.com, I was checking out the Banking Sign-up Bonuses to see about making some money from Manufactured Banking (Spending).
After I applied for a new Checking account to get the $200 from KeyBank, In the middle of the process, I received a Pop-up saying I’ve been pre-qualified for 2 of the Credit Cards. It specified that the CL would be at least $2k.
I chose one, but right before I submitted the app, I did a google search to find out if Keybank does a SP/HP on the PreQual pop-ups. Based on additional info from others I’ve found, is that if you get the pop-up, similar to SCT pop-ups, then it’s a SP.
This is NOT normal usually for a Major Bank to offer a SCT type CC offer. Also, I’ve never received or heard of a Bank in General presenting you with a Pre-Qual Pop-up either. Caught me by surprised as it was unexpected and Banks don’t usually do that. HOWEVER, I didn’t accept the offer just yet. I was told I can come back to the site if I want to, which I did to test it out and sure enough every page I navigated to kept presenting me the pop-up offer, just like a SCT.
I’ve only found a couple sources saying Keybank is SP with these offers. I haven’t found anything about Keybank doing a HP at all, unless you outright make a direct request to apply for the card.
Does anyone know or can confirm if Keybank does a HP/SP on Pre-Qual pop-ups?
All of the data points I was able to find suggest it’s also a soft pull. I’m sure that KeyBank isn’t the only one to offer a credit card via this bank cart trick (or bank account trick), in fact Huntington Bank also presents you a pop up after applying for a checking account. If you know of any other banks, let me know and I’ll add them. Also add if it was a soft pull or hard pull if you applied and any other information you have.
List Of Banks
- KeyBank (AK, CO, ID, IN, ME, MI, NY, OH, OR, UT, VT, or WA only) –
soft pullhard pull
- Citizens Bank – soft pull (not actually a pop up, need to go in branch. Read this comment for more)
- Huntington Bank – (OH, MI, IN, PA, KY, WV) Hard pull. Only pops up when you’re pre-approved