What’s the shopping cart trick?

If you have a low credit score or no credit history, then the answer to this question could immensely help you to alter your financial condition for the good. A shopping cart trick is a way to get approved for credit cards without resulting in a hard pull on your own credit report. For the uninitiated, a hard pull will occur anytime you make a credit inquiry and will reduce your credit score. Although the word “trick” has some predefined connotations in your mind, reading this article will clear all of them.


How to do the shopping cart trick:

The first step is to clear all of your browsing history, cache, and cookies of your browser. If you have any popup blockers installed, now would be the time to disable them. Then you should visit the website of one of the stores and register and subscribe to all their newsletters and email lists. Next, comes shopping. You should select a couple of items, place them in your shopping cart and proceed to check out. During the checkout process, either after you enter your shipping address or before selecting a payment method, a pop up will appear and will urge you to apply for their store credit card. When this popup appears, it means you are on the right track to get your credit card, prompting you for only the last 4 digits of your social security number which means it’s a soft pull.

This trick works on all Comenity Bank stores as their credit card issuer. It also works at most of these stores:

Abercrombie & Fitch

Ann Taylor

Bath & Body Works

Brylane Home


Coldwater Creek



HSN (card will appear at the very end of the checkout process)


Jessica London


King Size Direct




New York & Company

One Stop Plus

Overstock (Even though it asks for your full SSN, it is only a soft pull)


Red Roof Inn (loyalty program sign-up required)

Romans Sportsman Guide

Total Rewards


Victoria Secrets


William Sonoma

Woman Within

Some shopping cart trick tips to follow:

Never think that reading about promotional information is a waste of your time. You can be up to date with store credit card offers when you opt for such credit card promos.

Turning off popup blockers will help you not to miss out offers as many credit cards display information about such offers on pop-ups only.

Be aware that credit card offers that prompt you to enter your social in full result in a hard pull while those that only ask for the last 4 digits end up with a soft pull.


Shopping cart trick benefits: 

  • This trick helps you to rebuild your credit when things turn south for you. Since there are no hard inquiries involved in this process there are no chances of your credit ratings going further down. In fact, a new successful account is reported when you get a new credit card which makes a positive impact on your credit history.
  • You can take full advantage of all the bonuses that these credit cards offer.
  • Rebuilding your credit becomes easy when you follow this trick to get new credit cards.


*Although this is a sure shot method to get your favorite store’s credit cards, you should apply good reason before applying this trick to get more credit cards. This is not a tool that you can use to go credit crazy as adding more credit cards will result in a decrease of the average age of credit card accounts which will, in turn, impact your credit adversely. You should utilize the shopping cart trick stores and the trick with caution so that you can achieve your financial goals smoothly.

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