Shopping Cart Trick - How to Get Credit Without a Hard Inquiry

Shopping Cart Trick - How to Get Credit Without a Hard Inquiry

We all know how hard it is to get approved for credit when your credit score is already low but there may be a way around it. Did you know that you can apply for credit without taking a hard hit on your credit report? This method is widely referred to as the shopping cart trick

The shopping cart trick allow you to apply for new credit without having a hard inquiry reported on your credit report. Many of the cards that you will more than likely get approved for are store cards. However whether you get approved or not for these store cards, your credit score will not decrease because of this new inquiry. Now keep in mind that adding a new account to your credit report will still affect you credit when the cards are reported on your credit report. 

Here are a few tips to remember before applying:

  • Make sure pop up blocker is turned off on your computer, the site will not display the offer.
  • You must be opt-ed in for credit card promotional offers. 
  • If the form asks for your entire social security number then it may be a hard inquiry. 
  • The shopping cart trick does not work with all department stores. 

So here is how it works.

  1. Go to the website of the department store you want to apply for a card with. The shopping cart trick works with department store cards that are issued by Comenity bank (such as Victoria Secret, Express, New York & Company, Ann Taylor, and etc). 
  2. Join their loyalty club (if they have one).
  3. Add items to your shopping cart
  4. Start Check Out
  5. Enter your information (such as your name, address, and etc) exactly how it is listed on your credit report. 
  6. Continue until you reach the check out page and a page should pop up (if pop up block is disabled) proving you with a pre-approved spending limit offer.
  7. Accept the offer and complete the application.
     

Keep in mind that you do not have to actually purchase the items in order to get the offer. If the offer does not auto populate on the screen then the offer may not be available for that site. 

We offer our client unlimited access to our credit resource library to learn how to use credit to their advantage. Click here to schedule a free consultation with one of our certified credit counselors. 

 

 

 

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