Posted by William Charles on February 19, 2018
Credit Cards

Published on February 19th, 2018 | by William Charles


Shopping Cart Trick 2018 – Get Credit Cards Without The Hard Pull

There is something known as a “shopping cart trick” that can allow you to get store specific credit cards that don’t result in a hard pull on your credit report. Using this trick doesn’t result in a hard pull, it will still affect your credit as these cards are reported on your credit report (which will decrease your average age of accounts). There are a couple of rules we need to follow when trying to do this trick:

  • You need to be opted in for credit card promotional e-mails. You’re automatically opted in, so unless you have manually opted out you won’t need to do anything. I recommend being opted in anyway, you might receive a good targeted promotion if you are (here is how you can check for these offers).
  • Only works on cards issued by Comenity bank (and some cards issued by Synchrony & Wells Fargo)
  • Turn your pop up blocker off if you use one. A lot of the credit card offers pop up, if you have a pop up blocker then you might miss it.
  • If your asked for your full SSN, it might be a hard pull. Some of these websites ask for your full SSN when applying for the store cards, whilst others ask for your last four digits. If it asks for your full SSN it might be a hard pull so be careful. As always, your mileage may vary.

How To Do The Trick:

  • Go to the website of the store you want a card for.
  • Join their loyalty program (some people find more success skipping this step and just checking out as a guest)
  • Add some items to your shopping cart
  • Start to check out
  • Enter in your address, make sure this matches your address listed in your credit reports exactly
  • Continue going through the check out process until you get to the final payment page. You should receive your offer before this page, if you haven’t then either the shopping cart trick isn’t working or you need to try again.
  • Choose to accept your offer
  • Complete the application
Make sure you enter your information in the same as it’s displayed on your credit report.

When joining the websites loyalty programs, it’s extremely important that the information you enter is the same as it’s displayed on your credit report. Whilst the shopping cart trick isn’t a hard pull, it’s still a soft pull and if they are unable to verify your identity you will not be offered a card. Comenity bank usually uses your Experian report.

You don’t need to actually purchase anything at the store you use this trick on. Once your application is finished you’ll automatically be taken back to your check out page (if this was closed earlier) you can just abandon this after you’ve finished applying.

Credit limits on these cards are extremely low, usually $500 or less.

You can request a credit limit increase and they usually give automatic credit limit increases if you put any decent amount of spend on the cards. They typically won’t increase the credit limits if the card is not 9 months or older. Requesting a credit limit online is usually a soft pull. You might be able to get higher limits on these cards by adding a lot of items (e.g several thousand) to your shopping cart before trying this trick.

Why Is This Useful?

There are three main reasons as to why you might find this trick helpful:

  • Help to build your credit when your credit is bad. Because they don’t do a hard pull on your credit report, they will not be able to see if you have any bankruptcies on file or other derogatory items. This makes these some of the easiest credit cards you can get. Typically lenders feel more comfortable loaning to people with bad credit that have received credit from other lenders, as this allows the borrower to show that they are capable of making on time payments and might have turned over a new leaf.
  • Bonuses on the credit card. A lot of these store specific cards offer bonuses to cardholders to encourage them to use the cards or shop at the store. It’s not unusual to see stores offering a $10 statement credit to use the card for example. Some will offer a “sign up bonus” that is an instant discount on purchases. The best cards offer on going bonuses. You can read more about these cards here.

Stores That This Trick Works With

Below are a list of stores that I’ve seen successful reports on this trick working. The trick won’t work 100% of the time, so if you don’t see a pre-approved offer don’t stress out, just try again in a few weeks and hope for the best.

Comenity Bank Store Credit Cards

Most people find Victoria Secrets one of the easiest cards to get using this method, I’ve also had a lot of success with Overstock as well. If you’ve gotten the shopping cart trick to work on any other cards then please let me know.

Synchrony Bank Store Credit Cards

Wells Fargo Store Credit Cards

Discontinued Cards

This is a list of stores it used to work on, but are no longer working because the card has been discontinued:

Easiest Stores To Get It To Work With

Victoria’s Secret is usually one of the easiest stores to get the shopping cart trick to work with. Other easy stores include:

  • Boscovs
  • The Children’s Place
  • New York & Co
  • Overstock
  • Wayfair

Tips & Tricks

Here are some tips and tricks you can employ if this method isn’t working for you:

  • Make sure you try multiple different stores
  • Try using a different browser than the one you normally use or deleting cookies/cache of your main browser

Other Resources

The following are some resources & blog posts that you might find useful if you’re getting into the shopping cart trick.

Are there any blog posts or forums / threads which you think I missed? Let me know and I’ll add them.

Final Thoughts

These methods aren’t going to be for everybody, but if you have bad credit and want to get some positive trade lines reporting this might be an alternative option to a secured credit card. For people with good credit (and a high AAoA) then some of these cards might be worth considering for the on going bonuses. I also think it’s worth trying to get the Dillard’s card to have another fee free American Express card, although I haven’t been able to get that card to show recently.

Thanks to PFDigest & MyFICO forums for continually making me aware of this trick.

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To clarify: while I have experience with Comenity cards (and in fact just used one today), I have never personally used the shopping cart trick. I only wrote about it because it is indeed a neat little trick.

I finally got the shopping cart trick to work at J.Crew! It said *subject to credit approval* below this. So I’m not sure if this is a HP or SP? Not that I care since I wasn’t going for the card anyway. Just seeing if it works.

The “trick” is total BS! Well it is for me anyway. Doesn’t work what so ever for me. Have opted into so much crap trying to get it to work that I have a full mailbox and email. Ugh! I hate that I even read about this.

I wanted a VS card and came across this article. Tried to get this “trick” to work for MONTHS and it never did!!! I finally bit the bullet and just applied. I got a message on screen that did not say I was approved. Under review or something. Can’t remember. Got the letter in the mail and thought it was a denial. Nope! Called the number on the paper and verified myself and voila!

So screw your little shopping cart “trick” …

OK Guess this is a silly question, but is the ‘trick’ for example when you are QVC or Overstock and the banner for the card appears at the top? Or is the invite something else?

If it’s a Banner ANYWHERE on the actual Web page itself, then it’s just an general advertising banner for the card and will be a Hard Pull if you apply that way. It has to be an actual pop-up that will have verbiage to the extent of saying that YOU have been pre-qualified. The pop-up will be a new window/page that pops-up on top of the current shopping cart checkout page. It will usually occur after you’ve entered in your billing/shipping name, address & phone number. On this specific page after you fill out your information and you click to continue, the next 1-2 pages typically will present the pop-up. However, it should happen by the time you get to the last/final page in the checkout process. The final/last page will have a submit, submit order, complete order, etc button on it. If you’ve reached this page, and you did not get the pop up, do NOT click submit or any button that is consistent with submitting the order for processing. You should receive the pop up by the time you get to the last page in the checkout process. Generally you’ll get the pop up on the billing screen that asks for your payment information. The popup is known to either happen when you get to this page or after you’ve entered in your billing and payment information and click Continue to go to the next page. But be careful, some of these payment screens maybe the last page or step in the order process. However, very few sites have them as the last page. Just keep a watchful eye. The reason that I stress that last final page, is because some sites once you submit an order, it cannot be cancelled. Not all sites are like this. One site that I know of that you cannot cancel an order once it’s been submitted is the Eddie Bauer website. Once you submit an order on this website, there is no way to cancel the order. Even if you do call customer service. After you place the order on this site, you have to wait until the package either gets delivered to return it or if your home when the UPS driver comes to your door you have to refuse the package. Some people may be scratching their head asking,”why would I want to submit an order? ” Believe it… Read more »

Thanks Ziggy! 🙂

what sites does the sct appear after submitting order?

thank you for making me laugh today.

If you have your pop up blocker enabled it will not work and some security features on anti-virus software will also block it.

The shopping cart trick didn’t work for you for the same reason you didn’t get the card … your credit score isn’t high enough. Once you hit 580, you should be able to get some to pop up.

My credit score is 600 but I can’t get it to work on any that I have tried.

Worked for me, now let the credit rebuilding begin. Very pleased with the results

I’ve gotten Four to work but only excepted three due to the low CL.

My wive has four that worked

It worked for me. Did you make sure to take off the pop up blocker FIRST? That makes a difference. I got three cards in 20 minutes

Where is the pop up blocker

How do I remove it on the computer and Ipad

There’s a site called, which serves the purpose of temporary disposable email, you can send and receive emails through their system for as long as you need it then dispose of and forget. Very useful tool for things such as this you don’t wanna be bothered too much by. Lol speaking of which I’m going to use on here as well

It worked for me…I just signed up on their website. Added a bra to my cart, clicked checkout, and a screen came up that said your preapproved, it only asked my dob and last 4 of ss. I got instant $150 credit limit. My credit is only a 574. Try again

This wouldn’t work for me either. You actually have to Opt-In to be eligible via

If you don’t opt-in, it won’t work regardless of your credit score! So far, I’m 5 and 11, but that’s better than nothing!

No one is mentioning doing this first. It would make sense; otherwise, how would the companies know to offer you the card?

I am incredibly curious to know if everyone else did this first. I wish some people would respond about it.

What do you mean ” 5 and 11″?


I did this and got the following cards; Victoria’s Secret, Woman Within, Buckle, Fullbeauty, and Roamans. I tried more than once before the offers popped up.. I did opt-in and got the results above.

It worked for me without using that link, I was able to get VS – $350 CL, I bought a $150 giftcard for the wife. My scores are between 510 and 535 but I do have multiple secured cards, a few bank cards a car loan and a Zebit line

I love stupid thinking people, they make the world go around!

I recieved total of 4 using trick. VS,, NY&CO, Buckle

how far did you have to go on overstock in the check out process? VS popped up right away but so far overstock hasn’t popped up for me 🙁

So you took a hard pull on a store card, brilliant.

I received 5 cards this way. First being the VS card. You must be below 500. Sorry it didnt work for you

my ficos are 585, 629 and 639 after bk 8 months. i have a friend in bk at 440…it worked 2 x j crew and pier1

Has worked for me, I have had a lot of pre approvals

It worked for me on the first trick and so did overstock. Wayfair and bath and body didn’t but I’m happy with the ones that did.

How far did you have to go with Overstock?

It totally worked for me just yesterday.
Perhaps it’s the updated software, my computer keeps telling me to update and I have not. Also make sure pop up blocker are turned off. Also create an email address just for this purpose so your true inbox is not flooded. Side note: I did not give email address until after approval.
Good luck.

In the past 4 months I have gotten 16 credit cards through Comenity Bank all of them the credit limits are $1,000 or more the last one I just got wasn’t even on the list it was for Pottery Barn $3,500 got it today

Can you please list all of them?? Thanks!!

AJ, I have also tried for months…it finally worked yesterday! I got my VS with $350CL. You just need to have patience, there are many other factors that could be preventing you from receiving offers.

Dear AJ, It has taken me a little over a year to get the SCT to work for me. During that time I sold a house and bought another and my credit hovered between 598-656. Finally, in the past week I got it to work on 3 accounts. You just need to have patience and you need to understand your credit and work on it in the meantime. My credit score has been at 655 for awhile but before I sold my house my debt to credit ratio was a bit high, now it’s below 50% and I know that helped me a great deal. What I’m saying is that it takes some action on your part too :). It does work.

It didnt work for me until I found out that the soft pull, may have your old address. I went to the optin website entered my old address, and I tried NY&C and was approved for 250.00 Something you are entering does not match…

i tried my address still no popup i fed up

I have tried a bunch of them over and over and not gotten it to work I don’t know what i’m doing wrong or not doing but I am very frustrated

Clear all history on pc and make sure pop up blocker is off. I’ve tried in Chrome, Edge and Mozilla browsers. Strange it has only worked for me in Mozilla. Also, Comenity use Equifax and Experian mostly. Be sure name and address match. But everyone out there re: soft vs hard pull. I rcvd preapproval for Brylane Homes and Pier 1 store card and they did Hard pulls. As for Overstock, Wayfair, VS, Jcrew, Full Beauty and Boscov’s they were soft. The cards I keep trying and NEVER ever pop-up are Sportsman’s Guide, Total Rewards, Orbitz, Pottery Barn, Crate n Barrel, Express and Buckle (which are the ones I’d use and want, NEVER give me the pop-up. HSN as well!

Rebuilding credit following BK chp7 discharge 5 years ago…. EQ 635 TU637 EX622 Approved for VS $250, HSN $1000! I did the loyalty signup for both but cleared ALL browser history. Thank you so much I feel as though I’m headed in the right direction!

I am also rebuilding… EQ525 TU 545 EX 602 I got VS 250 HSN 1750 J CREW 250 Limited and Express all 250 Meijer and Sports Authority 500 NY&Co 250 Talbots 300 Buckle and Abercrombie 250… plus several more and just got approved for a 2015 Chevy Cruze for my son!!! Super excited!

can u tell me how u got thr shopping cart trick to work not able

Look through some of the post towards the top of the page. There are several people that have posted many comments about how they were able to get it to work.

Also, make sure you follow the instructions posted at the top of the page about making sure you are opted-in for offers.

Hi I actually did this last night with NY & Co, and it worked, as you said it was a limit of $300, and only took 5 minutes

This is a bunch of B.S. I did this and yes got accepted to both VS 750 and Gandermountain.1500 and both were hard pulls! Don’t do it….. I did exactly like he said, and did not even enter entire social and got 2 hard pulls from same bank… SO MAD!

This is completely a YMMV thing. On some forums, others have reported a hard pull for VS.

As per one of my responses below, ALL Comenity Visa/MC’s will result in a hard pull with the exception of Sportsmans Guide and that is definitely a YMMV. Some have reported a hard pull while the majority report a soft pull. Mine was a soft for both.

What does YMMV actor stand for?

VS didn’t do a hard pull on me. Maybe it’s just some and not everyone?

This works!!! I have terrible credit (FICO 589) and am trying to rebuild. I did exactly as it said and it didn’t work for me until I tried Victoria’s Secret. Although I’m a guy and don’t think I’d ever use the card, it worked just like it said. I added one item to my shopping card, proceeded to check out and then a pop-up came up saying I’d been pre approved for $500. It only asked for the last four of my SS#, I completed the application. I got the final approval and then didn’t need to complete the purchase. I guess to get positive information on my credit report I need to use this once a month. Guess my sister is about to get a random gift each month. haha!

LOL.. she will love you for life dude.

Your Victoria Secret card can be used at Bath & Body Work and White Barn. They have guy stuff!

I tried a few of these links…no prequalify offers popped up

did u turn off your pop up blocker it work for me. sign up for there emails the next time u log in should get the pop up. i have Wayfair ,The Limited , Express, Ny & Company, VIctoria Secerts, HSN, Overstock , Simply The Be, Brylane home,Marisota,changed the name to my JD Williams,Woman With In, Loft/Ann Taylor. don’t give up i started with First Permier ,Credit One Visa, Capitial One, Credit One Mastercard ,Best Buy Visa. thanks capital one and comenity for opening the doors for cards with no fees now i’m getting offers from discover all citi credit cards and different cards for cards . use your credit wisely i’m the other comenity i use them one or two times they increase those limits from 750 to 1000 who’s complaining but i must say i use vs the most. clear your browser history and turn pop blocks off . i use chrome ,but i got some using different web browser this should help.

I’ve tried almost all of the sites you guys are talking about and haven’t got not one pop up!! i’m discouraged

I was just asked at Camping World about this. Said I was offered a card with them. I applied at check out and just before I checked out, I told the cashier my new address change. When he had me enter my information for credit check, he said more information was needed. I would receive a letter in the mail. That was Wednesday a week ago. I called Comenity Bank and asked why no letter stating what they needed. All I got was that they could see my application and that a letter was sent and should be in the mail any day. Oh, they claim it is because my address changed. I think I was denied but who knows. I have good scores, nothing bad, just low on accounts. I was just approved Thursday for a Cap1 Platinum card with $2000 LOC.

People make sure your address is the address on your credit report

This actually just worked for me. I didnt beleive it until I was shopping on VS and I decided to just try it and see. They told me I was pre-approved for a 350 credit limit, so I entered in my information. I didnt have to enter in my whole SSN, and I got approved, I’ve been wanting a store credit card to assist with rebuilding my credit but I didnt want to add any more inquiries to my credit because I do have a lot .This is awesome ! Thanks for the trick

Can you use the shopping cart trick on your iPad or does it have to be on the computer?

thats sucks i just tried kirklands
denied with 672 transunion fico score
and have 6k total of credit limit
wffnatbank (welss fargo) hit 2 hard inqurie on my trans union
well who knows i might have on all three bureau 2 hard pull
thats insane how they do this horrible
what the hell they gain from those hards which hurt our scores un belevable reckless behavior against consumer WTF

Thanks for the information. I found that this does actually work. I’ve been trying to rebuild my credit and this information has come in very handy.

I did attempt overstock but it didn’t work i just hope it wasnt an hard pull. Victoria secrets and hsn worked for me

I used the cocomenity card trick. Soft Pull/last 4 of social only. Applied for too many @ one . They granted me two credit cards. The 3rd one -Victoria Secrets – Comeninty rang and. asked for my full social and i gave it. I was honest and stated i did not want a hard and would forgo the acceptance of the . card. They said “ok, well just to verify who u r and we will let u know when/if we send u the card.

Two weeks later, my two other approved cards arrived from Comenity. Upon calling to activate, i was told cards were cancelled. Issuance pays attention to NEW applicants and spotted the full social in connection with Victoria’s ❗They then immediately contacted Trans Union to report their cards issued to me as closed. So 1 hard and 2 closes via Comenity, cost me 13 points shaved off my credit score (all 3 credit Beureos)❗

I was pre-approved for an Overstock card, I entered my social by entering zeros until the last 4. Upon completion of the application, I received a message that my application was under review and I would get a notification by mail. Does this mean I was denied?

I got approved for 500 at King size and they said it was added to my account but no way of using it cause they didn’t give me a card number or any option to use it at check out

Nice post! First time to know this trick. Some people in Myfico reported HPs on some stores, it seems your list here gives all Soft pulls store. Good job! Hopefully Dillard’s will 100% be a soft pull and work for me. Considering to try it after I apply several normal cards next time

Did it with Victoria, Overstock, HSN and Express

Victoria Secret worked when with a account the rest worked by checking out as a guest.

For me , Victoria is asking for 9 digits of SSN with existing account…Am i doing something wrong . Let me try with a guest

Can someone please give me the step-by-step instructions for Overstock and HSN?

Call up on the phone to place your order….They told both my friend & I we were preapproved , would we like to get the card.This is for HSN. Of course you need to be placing a real order of something you really want, but , it worked for us.

My friend & i got our HSN card the same way also.

Did anyone try Dillard’s Amex and was successful?

What items and how much did you add to your cart?

I keep trying on different browsers, being logged in, not being logged in, etc and can’t get it to popup.

this is some next level shit. i like. though i dont personally have a need for this. very cool.

I don’t see it listed here but do in MyFico and other lists. The Marathon Visa. I can’t figure out where it would appear though unless when shopping their separate merchandise site. Anyone know and/or have success with getting the Marathon card this way? Thanks!

William, great post. This is great for people who want to make payments through Evolve to dept store cards. Can you do a post on how long it takes department store cards to refund you an over balance and if any store cards really don’t like you doing that? I know it took my Macy’s card about 6 months before they refunded me my balance.

For a refund on a credit balance or overage that exists 9n an account, it’s usually 60 – 90 days, depending on the card.

This is done for accounting purposes and to eliminate possible confusion to the consumer and the rep you may speak to if you were to call in about it.

If it’s a card I don’t really use, I’d rather just get the refund. If I use it, just infrequently, then I’d rather the overage just sit on the account as a credit balance for my next purchase. I guess that also depends on how much as well. If it’s less than $20, I’d rather it sit on the account.

Thanks, helpful post as usual.
I was able to get the Overstock pop up and got approved for 5k with no hp.
Was wondering if anyone got Walmart to work?

I got the Overstock pre-approved pop up. It required my entire social security number. It approved me for 12k. I read in other forums that sometimes it requires the entire social security number and still is a soft pull. I guess I will know in a day or so if my credit monitoring alerts me. I sure hope it’s a soft pull.

The only one that has worked for me thus far is Walmart. It popped up, I filled it out, instant approval.

The Walmart store card goes through Synchrony Bank not Comenity unfortunately. If you applied for this card, it will be a hard pull.

How far did you have to go with Overstock?

Walmart sent my pre-approval letter through the mail.

The “shopping cart trick” worked for me with quite a few of Comenity Bank cards: Woman Within, Victoria Secrets, Roamans, Jessica London, The Loft, One Stop Plus, Brylane Home, Buckle, Express, The Limited, HSN, and a few more. I accepted several of them and turned down those with low limits. I did go to Overstock website a few times and the pop up never came for me. That’s okay, as I have enough.

Would you explain what you did to make the HSN pop up? I can’t get it, don’t know if I’m doing something wrong.

I didn’t know about this “trick” when it popped up on hsn for me however this is how I did it… There was one item I wanted to purchase and didn’t plan n shopping there regularly so I went to guest checkout. I was entering my personal debit card number when it popped up that I was approved. I accepted and charged it to my hsn card instead. Make sure your popup blocker is off. I was on my tablet when I did this and that wasn’t an issue.

Thanks so much. Went and placed in my CC info and got 3K. Not sure if that’s what helped it but it finally worked. 3months I kept the same item in my cart as well. I did change the item from a table to a watch then it popped right up. Hope this helps 🙂


Don’t waste your time with HSN or Overstock. Based on some of your posts ive read, it apears as though your probably rebuilding credit based on having some bad credit.

Just an observation.

If you jave any bad credit currently that is also still outstanding, that you still owe money on, more than likely you may not get approved for these cards.

But also from the sounds of it, that you’ve been approved for a couple of others, you’re off to a good start to rebuilding.

Overstock popped for me once I hit 610 with a few unpaid baddies.

Overstock is one of the easiest ones to get. I got the pop up as I was entering my debit card number but got a really low starting SL at $250. That was 6 mo ago when my scores were in the low 600’s. I recommend waiting for the cards you really want. Now, all of my SCT approvals are $700-$1500. If it’s a card that you dont see yourself using much or spending very much at once, go for it. Wait a few months for the cards you really want/need so that you get a higher SL. I was wondering why some people were getting approvals for thousands of dollars for Overstock and Wayfair and mine were so low. I’ve now had Overstock for 6 months I will request a CLI in early September and see what happens. Most Comenity cards will generally consider an increase after 9 months. I was approved for an Express via SCT in December 2016. My Express received a $270 auto-increase this month. From $500 to $770 so increases are possible before the 9 month period. I received e-mails from several of my Comenity cards asking me to update my income in April 2016. I assume this is a result of my updating this one. Though, it’s the only one I responded to. I pay $10 over the minimum each month because I’ve had to use it for gift purchases and I cant afford to PIF.

*correction, I meant April 2017

I constantly shop there so today as I was checking out it just popped up for me. The same happened with Victoria Secrets.

I got mine while placing an order on the phone.

Devon… I did get the Marathon has card this way. I only have the store card. Just google Comenity Marathon Gas Card. It only asked for my last 4 ss. It did not pop up that I was instantly approved. It came to my junk email folder later saying I was approved.

Thanks Karen, how did you access the application that only asked for last 4 of SSN? Any way I find the application page which is in the link below, it asks for the full SSN.

I would like to know the same. Maybe they changed the game.

I tried Victoria and total rewards credit cards. Victoria works fine, but I find one hard inquiry on Equifax for the total rewards credit card. They both asked for the last four digit of my social. It seems that the difference is that the Victoria will show a fixed amount of credit limit before I submit my application, while the total rewards give me a high credit limit after I submit the application.

worked perfect for me in full Thanks!!!

Jessica Brown
Jessica Brown

Would anyone having been successful with these stores ‘shopping cart trick’ be willing to share their credit score and/or FICO ( anonymously of course)? As a student starting out fresh in life, I have absolutely no credit/score, just a bank & investment account. Any advice is much appreciated!

Oh, lucky you! If only those were the only things I had applied for, I would be in great shape. Just take it slow with one or two accounts you can maintain.

It worked for me today! Opted in for coupons/mailers put my info(address name Dob) put items in my cart. Pre approval offer popped up for $250 and I was approved!! I’m super stoked. I wanted a store card as I’m rebuilding after divorce. Only $250 but super happy. THANK YOU! Don’t know my fico just CK equ 618 Tu 598

Jessica Brown I can give you some advice if you are still interested. You may private message me.

I got the pop up for Victioria’s secret. $250.00. I accepted and it gave me a message saying I will be notified in 10 days. Does that typically mean it will be declined?

The same thing happened to me…. What happened?


I saw that PayPal Credit is also issued by Comenity. Any idea if this trick works for that?

PayPal credit is through Synchrony Bank. I have it. Got it after I got their Old Navy store card, then got their Walmart store card after.

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