Doctor Of Credit

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:

How To Do The Trick:

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:

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:

Tips & Tricks

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

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.