Hey y’all!!! In my previous post “The Shopping Cart Trick-How to Get Approved for Credit Cards Without Having Your Credit Pulled”, I talked about a method of obtaining credit which if used responsibly, can increase your credit score. There are certain banks or lenders who allow consumers to utilize the “soft pull” method, the most prolific being Comenity Capital Bank and sometimes Synchrony and Wellls Fargo. Certain merchants also provide “store credit cards” usually backed by Comenity to allow you to purchase merchandise or services from them.
WARNING: Store credit cards usually have very high interest rates, high late fees and, for the most positive affect on your credit, should be used sparingly and cautiously.
Below is 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 pop-up or pre-approved offer don’t stress out, just try again in a few weeks and hope for the best.
Comenity Bank Store Credit Cards
- Abercrombie & Fitch (our review)
- Ann Taylor
- Bath & Body Works
- Brylane Home
- Coldwater Creek
- HSN (you need to go to the every end of the check out process before it’ll appear)
- Jessica London
- King Size Direct
- New York & Company
- One Stop Plus
- Overstock (while it does ask for your full SSN, it should still be a soft pull). This card usually gives a nice high limit and automatic credit limit increases are regular.
- Pier1 Imports
- Sportsman Guide
- Total Rewards
- Victoria’s Secret
- Woman Within
Synchrony Bank Store Credit Cards
Wells Fargo Store Credit Cards
Most people find Victoria Secrets one of the easiest cards to get using this method; I have had a success with Pier1, Overstock and Wayfair also. If you’ve gotten the shopping cart trick to work on any other cards then please let me know by commenting below or emailing me at email@example.com!