Shopping Cart Trick for Credit Cards + Store List

What Is The Shopping Cart Trick?

This is the ultimate guide to the shopping cart trick – something that people with less than stellar credit scores may have heard about it. Also known as the soft pull trick, this is a method you can follow in order to get credit cards without having a hard pull against your credit. Hard pulls occur anytime you make a credit inquiry, and will quickly reduce your credit score. This clever trick is invaluable for anyone trying to earn cash-back bonuses or take advantage of a credit card sign up offer.

Here’s a list of others who will find this trick useful:
People with low credit scores
People who have filed for Bankruptcy
Anyone with a negative credit history or no history at all
Also, anyone who may have simply made too many credit inquiries, which is a lesser known way to rack up hard pulls against your score.
People who have been approved for cards with bad credit.

Although the word “trick” has some negative connotations, there are a wide variety of people who can benefit from utilizing this method. A low (or nonexistent) credit score/history will make it tough for you to apply for credit. This trick helps you circumvent the type of issues that come with a low credit score. By utilizing this trick, you can work to improve your credit score overtime.

By the time you’re finished with this guide, you’ll know everything you need to know about how to utilize this trick – if you’re still itching to.

Requirements For The Shopping Cart Trick

There are few criterion that you MUST meet prior to attempting the shopping cart trick, but once you do you’re halfway there.

1. You must be opted in for Credit Card Promotions.
This is relatively easy for you to check – do you receive any type of credit card promotions in your mailbox or email? If so, you’re likely opted in already. For those of you who don’t know or are opted you, you change your status by visiting this website: https://www.optoutprescreen.com (Note, this is an official website).

2. Turn Off Existing Popup Blockers/Spam Tools and Enable Javascript
This is for those of you who browse with adblocker, ublock origin, NoScript, and the like. Typically, offers for credit cards will appear as ads in popups or on the sidebar of websites you’re browsing, so if you’re blocking them…you’re blocking them. Plus, you may have issues at the checkout screen of the websites you’re about to be visiting if your adblock picks up certain aspects of the website’s code as just ads. You don’t want to miss any opportunities, so disable your popup blocker for now and turn it back on afterwards if you wish.

3. Be Careful With Your Social Security Number
Many credit card offers require you to enter your Social Security Number to submit your information. If it asks for your FULL, NINE DIGIT social security number – that’s a red flag! You’re likely heading towards an offer that will result in a hard pull on your credit score. When imputing your Social, only do it for offers that only require the last four digits of your social security number. These are the ones that are not hard pull – make sure you pay close attention during this step.

4. Use Credit Cards Issued By Comenity Bank
This is the last major caveat, but it’s not a major deal. Comenity Bank is the issuer of cards that you can use this trick with, and a great deal of stores accept Comenity Bank’s cards as payment. Continue below to see a list of the stores you can work with.

What is NOT Required of You:

1. A Good Credit Score.
Thankfully, this method works regardless of how high or low your credit score is. 811? Of course you’re fine! 100? No problem!

NOTE: There are various things that are involved in the measurement of your credit score, outside of just credit cards.

List of Stores You Can Use

The actual method of doing the trick is right under this section, but this will give you a good idea of what stores you have to work with when using the Comenity Bank cards.
Abercrombie & Fitch
Ann Taylor
Bath & Body Works
Brylane Home
Buckle
Coldwater Creek
Express
Gamestop
HSN
J.Crew
Jessica London
JJill
King Size Direct
Loft
Motorola
MyPoints
New York & Company
One Stop Plus
Overstock (This one WILL ask you for your full Social Security Number, but it should only be a soft pull rather than a hard one.)
PacSun
Red Roof Inn (NOTE: Requires that you also participate in their loyalty program.)
Romans
Sportsman Guide
Total Rewards
Venus
Victoria Secrets
Wayfair
Woman Within

How To Do The Shopping Cart Trick

1. Disable all popup blockers, make sure Javascript is enabled, and clear all cookies and cached data.
You’re about to be dealing with web forms and submissions, and not following these steps could easily lead to a snag further down the road. Better to get these things out of the way now so you don’t have any issues. People on Chrome or Safari can activate their browser’s incognito/private browsing to bypass this step.

2. Go online to the website of the store you want to perform the trick under. In case you missed it, you can scroll right up in order to see the list of the stores that this trick will work for.

3. Register on the retail website – either a regular account or for a “loyalty program”, if they offer one. You can typically find the registration buttons somewhere along the top/top right of the website.
NOTE: They are going to ask you to register using real, personal information. This is completely fine, although if you’re not comfortable with that company in particular having this information you should pick another one to use the trick with. This isn’t all bad though, once you provide your address you’ll receive exclusive deals from respective companies. Win-win.

4. Add a few items to your shopping cart – the quantity and quality is not necessarily important, so go nuts here. Somewhere along the $25-75 range should be fine, and going higher may make you look better in their eyes – cookie tracking is a real thing.

5. Once your virtual cart has items, click “continue to checkout”. This is where the magic happens. After you go the checkout, you should receive some sort of credit card offer. If you don’t – you have two options:

1. Give up on this particular site and try a different store.
2. Try again – Either by putting more items in your cart, or resetting your cart, clearing your cache, making a new account, and trying all over again.

Either way, you’re looking to get a notification of a credit card offer once you hit the checkout page. Also try playing around with the price of what you put in the carts – Maybe go for $75-200.

6. You should get the Comenity Bank card offer before you reach the final payment page. From there, all you have to do is accept the credit card offer and apply for the card. It will look like some sort of store brand credit card.

Once this pop ups, you’re in the clear!

7. Repeat As Necessary.

You can use this on a variety of stores and even on the same stores (just make sure you’re clearing your history and cache or opening up those private browsing tabs!). If for some reason the shopping cart trick is not working for you, you need to play around with what you’re putting in the cart and how you’re filling out the order form. At least $50 worth of stuff in the cart, and take your time filling out the payment page as though you’re really about to pay – type out your information with one hand and cross your fingers with the other.

Favorite Shopping Cart Trick Stores

People are having varying experiences with using this trick – some report that Victoria’s Secret works the best for them, but I personally found that Gamestop and J.Crew popped up the most often for me. Experiment – and remember that if it doesn’t work right the first time it doesn’t mean that you should give up.

Guaranteed Approval Credit Cards164983-250x250-1

Here’s something else that might vary depending on your experiences – 100% approval cards. I’ve improved my own credit score tremendously using these, particularly the Horizon Gold Card. There’s also the Luxe Signature Card that is a guaranteed approval, but Horizon Gold is a little better in my opinion. I would say pick up both of these cards and use them interchangeably to work on boosting your credit score.

If you’re unsure about your current score, you can try and pull your scores at a score-finder.

Credit Score Tips

Doing this trick is the first step towards boosting your credit score, but there’s a lot more to improving your credit score. I personally started off with a mid-300s credit score and got it over 750.  If you want to know more, I created a COMPLETELY FREE GUIDE to boost your credit score – most people who follow it see massive improvements of around 100 points after just 30 days.

You can access the free guide here.

Summary

The Shopping Cart Trick is a great way to get a credit card without messing up your credit score, and I would say you should combine it with the guaranteed approval cards I mentioned above in order to see a real boost occur in your credit score (as long as you use them wisely). Good luck, and please make sure to post comments below about your experiences.

133 Comments

  1. Worked for me, but my mom is having difficulty with it. How exactly do we get approved?

    Reply
    • The thing is that you have to enter the address that got you the pre approval in order for it to work. I never got the letter and mine was declined because of the address difference.
      I recently had to clean up my personal information on my credit reports. There was duplicate addresses, addresses I never lived at, and addressee that were missing like a letter or number.
      Today I tried the shopping cart trick with my current address and it worked perfectly. I got VS and NYC. So either use the address that got you the preapproval or get your reports cleaned up.

      Reply
  2. Hey, thanks for the guide. I’ve been middling around with my credit score for a while now, but after reading this guide I decided to actually take the steps to improve it. My journey begins now! Thanks a lot.

    Reply
  3. I’ve only seen success using the Victoria’s Secret webpage so far. Does anyone know where the companies actually pull the credit card information from?

    Reply
    • I did the shopping cart trick in 5 different stores, no problem. I used the real last couple digits of my SSN and DOB and it notified me that I would be told in 7 – 10 days what the status was after they review my application. Not sure where they pull the credit card information from, but there’s been no issue for me with getting the popup on other webpages.

      Reply
  4. I see that my address shows up different on each of my credit reports. Can you please help me with this question…Which credit place is the one to use?

    Reply
  5. I see that my address shows up different on each report of my credit card. Can you please help me with this question…Which credit place is the one to use?

    Reply
    • Hi Julie! There’s really no way to know which address will be on the pre-qualify list that the shopping cart trick sites use. Please try multiple addresses and then see which one gets the pop up. I hope that this will help you!

      Reply
  6. AnonymousJune 14, 2017 at 7:18 pm

    THANKS FOR THE GUIDE!! My recommendation for people who aren’t getting the popup – try swapping browsers to your browser’s private mode, like Safari Private Browsing or Chrome Incognito. This is how I got the shopping cart trick to work on Express!

    Reply
  7. My credit score is somewhere in between 650-700. I was able to get approved instantly on Victori’a Secret. I also got instant credit on Target and I’m about to try Walmart – although these are not apart of the Comenity bank cards list.

    Reply
  8. For Target and Walmart can I get it online or do I have to go in person?

    Reply
    • The Walmart store was in stores when I was there shopping. They only asked for the last four digits of my social security card and they approved me for over $3000. Highly recommended if you’re looking for a bank card.

      Reply
  9. Gee JordanJune 14, 2017 at 7:24 pm

    Your information has to be entered just as it is on your credit report. No exceptions

    Reply
  10. OMG I’ve been trying for a month more and FINALLY got Simplybe too tonight. Thank you so much

    Reply
  11. Hei Once I am approved do I actually have to order this items right in this moment? Or can I wait until I will receive the card?

    Reply
    • Actually No! You can close out of the cart and you will get the card without having to buy anything. Good luck!!!

      Reply
  12. ChristineJune 15, 2017 at 7:45 pm

    Hello. I’m trying to apply for a Victoria Secrets card now but no offer. Could it be because I’m using my mobile phone? The adblock is off and I also cleared the cookies. I even used the incognito feature of Chrome.

    Reply
    • I was wondering if anyone has had success applying using their mobile phone instead of laptop/desktop??

      Reply
  13. Hei I think that I’m facing an issue… I tried once and it didn’t work but then, when I tried again, it said that my email address was already registered. Do I really need a new email address each time? This was on Simply Be. I keep trying because I don’t know which address to use. Please help me with this.

    Reply
    • Hello Karen! Try checking out as guest. If that doesn’t work too you can try to make a new account. If you can’t get this trick to work just try a new site. Hope that this will help you

      Reply
  14. I just tried it with VS and it worked yuhuu! My request was approved for a cl of $350. I have been working on rebuilding my credit since January and my score has gone form the low 500s and now it is 640. I’m still a working to it. Thanks for the tips!

    Reply
  15. Hey! Is there a limit for how many can someone get? I have gotten hsn, overstock, wayfair, victoria secret and full beauty but without any luck, now with any others. Should I wait for awhile before trying again? And do you know how it works to increase the limit?

    Reply
  16. I’m not having any succes with any of them I using a Mac laptop. Could this affect affect my results?

    Reply
  17. I would really like to have a Meijer card for catch all purposes but I’m not getting the pop up at all. Anyone else approved for Meijer using the trick? Does anyone have any suggestion?? I was approved for J. Crew account.

    Reply
  18. For some reason (which i don’t know) I can’t get this to work. Do you have any tips? I read post where people are getting it to work for them without a problem. Is one browser better the other(Chrome vs Firefox)?

    Reply
  19. It worked for COldwater Creek. I didn’t apply, I just wanted to see if it works. I have scores on all 3 Credit Bureaus in the mid 700’s

    Reply
  20. I have a vs card without adding anything to my cart..I just went straight to the card options..I want jcpennys & bells but without luck..how long do you have to wait once you get denied?

    Reply
    • The whole point of the ”trick” is for the credit card inquiry not to go on your credit report. Therefore, if you’re going straight to the offer, and entering in your social, you’re doing it wrong. If you’ve been denied, you may need to wait a few months, but try with the actual steps outlined in this article, and DO NOT put your social in, not all of it. I think most ask for your last 4, but don’t put in your whole number, unless this article states it’s ok.

      Reply
  21. I have done this several times but the answer is no avail. I have attempted it many times in varying degree’s with all of the stores listed. I have done it mostly using Google Chrome browser (incognito mode) and in IE (after deleting history). I have used all email address that I own, tried it as a guest and as opening an account. And, I have also added different amounts to my cart. I’m so frustrated. I mean, my scores aren’t the best, but they certainly aren’t the worst either. Does anyone have any tips/suggestions for me?

    Reply
    • You can try different combinations of items in your cart. I got the Express card on my first shot. Some people have better success putting less than $50 in the cart, some do better with 50-$100. Try different dollar values! Hope this helps and good luck! It will work just be patient

      Reply
  22. I tried this hmm like 6 months ago and didn’t get anything at all, then yesterday I decided it to try it again and got this
    Victoria Secret
    NY and company
    Hsn
    Overstock
    Motorola
    Kirklands
    Everything was done using my phone and Chrome browser (desktop view of the web page). So I guess I had to wait to be opt in.

    Reply
    • How did you get HSN and Overstock to work I can’t for the life of me. I’ve gotten others but can’t seem to get either of these.

      Reply
  23. What do i need to do when i get to the payment screen, do I need to ask for payment info?

    Reply
  24. When I try to go on optoutprescreen.com It shows me this message. Any helpful info would be great, Thanks in advance. The OptOutPrescreen.com website is only accessible through ISP�s (Internet Service Providers) located within the United States and its territories.

    Reply
  25. I had success with VS CL $750, Overstock CL $4500, Simply Be CL $500 and Sportman’s Guide CL $6500. Now I can’t get HSN or Ashley Stewart to work for me. CS I believe was 667 when applied for them. Now I’m afraid to apply for anything else because i don’t want to banned for applying for too many.

    Reply
    • I got the popup today for VS for $500 limit. I did the last four of ssn and then it said 7-10 days. Is it 7 to 10 days to get the card or for the “letter of doom”.

      Reply
  26. I just tried a few minutes ago with VS and it worked! I was approved for a cl of $350. I have been working on rebuilding my credit since March and my score has gone from the low 500s to a now 640. I’m still working on it. Thanks for the tips!

    Reply
  27. I was wondering if there is a limit of how many you can get? I have gotten hsn, overstock, wayfair, victoria secret and full beauty but I had no luck with any others. Should I wait awhile before trying again? And do you know what to do to get your limit increased?

    Reply
  28. Hi!I tried for newYorkandcompany and I got a message saying they are reviewing my application. Does that mean I was denied?

    Reply
  29. I got the pre approval but I entered last 4 of social and then when i press the submit button its not doing anything. Did i made something wrong?

    Reply
  30. Does anyone from here know what credit is reporting the service that Comenity soft-pulls from?

    Reply
  31. I have tried VS for 4 times. I read the directions about a hundred times and i did everything from there and still nothing. What should i do ? Do you have any other suggestions?

    Reply
  32. Today I was preapproved for a Brylane Home card but it was preapproved under my old address and maiden name. I think that the card will be sent to old address and won’t be forwarded to me at my new address. Do I need just to contact customer service in a week or two to inquiry about the card?? It’s so strange, I’ve been married for 7 years, surprised that this would work under my maiden name.

    Reply
    • I am having trouble doing the cart trick, I do not fully understand what the steps are and I am not at all computer literate my Son just got my computer back up from a hard crash and I can’t find anything history, cookies, popups anything, Please help a sista out.

      Reply
  33. Danielle D.June 16, 2017 at 8:27 am

    Tried Overstock but I can’t get it to work. Any suggestions? my name and daddy is the same so what else could it be?

    Reply
  34. I really want to have a Meijer card for catch all purposes but I’m not getting the pop up windows at all. Anyone else approved for Meijer using this trick? Please give me some suggestions?? I was approved for J. Crew account.

    Reply
  35. ElisabeteJune 16, 2017 at 8:31 am

    Approved VS 350, JCrew 250, Wayfair 500 – just saw that JCrew did a hard inquiry though on Experian. My scores are around 620. Other ones I tried did not work or asked for full SS#. Thank you for the tips.

    Reply
  36. Has anyone been able to do this trick and to work for GameStop?It worked for VS and overstock but now I tried GameStop several times with no luck?

    Reply
  37. I used hide my IP (using Vpn), I live overseas and got J.Crew 250.00 Cl – Buckle 250.00 CL – Overstock 500.00 Cl- VS 500.00 CL. This was in sept 29th, but none of the others worked, I live is South America but I have my family overseas that can make payments and purchase for me as I am from the USA just living abroad. my Credit Score Trans union is only 602

    Reply
  38. I have different addresses and them are listed as current on all three report, also on each reports is still showing my maiden name. Does anyone know if they pull experian. That one even shows a whole different birthday HMMM. I HAD 2 OF THESE CARDS IN THE EARLY 90’S THEY DONT EVEN SHOW ON MY REPORT ANY LONGER . WILL THEY BLACKLIST MY SOCIAL? BY CHANCE…..BEEN TRYING TO WORK ON MY CREDIT DUE TO OVER 20000 IN MEDICAL BILLS…. HELP
    ** DOES ANYONE KNOW WHERE TO SEE YOUR EMAIL ADDRESS ON YOUR CREDIT REPORT UNDER PERSONAL ON EACH NOTHING SHOWS AS EMAIL…… I USED THE 7 DAY TRIAL FOR SCORE SENSE :0]
    THANKS GUYS

    Reply
  39. FoxiefairJune 16, 2017 at 8:39 am

    This didn’t worked for me and I’m not sure what I did doing wrong.

    Reply
  40. I tried to do this using Loft, and suprise… it worked! I was so excited! I tried it with Victoria’s Secret, though, got pre-approved, then i saw the message that it is under review. I really hope this doesn’t mean they are going to do a hard pull?! Does anyone know something and if they will do a hard pull? This sucks…

    Reply
  41. Approved for 250 ea: NY&Co., JCrew, VS and Overstock. Then I tried Express, GameStop, Sportsman Guide, and no pop-up. I am going to try again in a few months. Would really like Wayfair and Total Rewards, but I will work with what I have. This really helps me with my credit as I am trying to rebuild. Thank you!

    Reply
  42. What happens if you have a middle initial on your credit report but it does not ask for middle initial on the website. Now credit reports show different addresses.

    Reply
  43. I have got this to work on Overstock, Gander Mountain, Ulta, NY&CO, The Limited, HSN, Forever 21, Boscov’s, maybe on another one or two. Now I can’t get VS to work which is the one on which I am most interested. I was denied when applied directly. My husband has gotten a couple that I never got the pop-up for. J-Crew and Loft. He also got a Gander Mountain pre-approval through the mail after registering. Our credit scores are in upper direction 500s. I am wondering if the system flags people that is applying with the same address because we have never gotten the same card to pop-up. Also wondering if you apply directly and get denied, if there is still a chance of getting the pop-up or if no use to keep trying!

    Reply
    • how did you get forever 21? I’ve been trying to get the pop up for it but never seem to get it…I got V.S on da first try, Torrid, NY & company and express said unde review but sent me a letter saying they just wanted to verify information

      Reply
  44. I just got approved on two (overstock and something else) and now I was trying for gander mountain, it seems that the pop up doesn’t want to show. Now, I have received a pre-approved letter from them for a store card. I wonder if I go with this route if it will be a hard inquiry on my credit? Anybody have any experience? It contains a link to a website and it does ask for my ssn. 🙁 I would like to have this card but not the credit check. Thank you!

    Reply
    • I got the Gander card after receiving the pre approval letter in the mail and it was not a hard pull!

      Reply
  45. I tried with VS and I got approved for 500 and then I tried jcrew. Surprising it worked but I did not accept Roman for 250. I’m done for now. Got a hard pull on Fingerhut last week on all 3. Wish I had known about SCT before I got approved for Fingerhut. Need to boost my scores up.

    Reply
  46. I also wanted you to know that a week before I found this website and learned about the shopping card trick I did apply for some store cards online and I am sure they did the HP credit check when I applied for those. Many of them told me I will get a letter in the mail in 7-10 days and I did. It was a letter from Bealls – saying they needed to verify my identity. I called them and they just asked me security questions to verify my identity and then I was approved for the card! Well this period of 7-10 day of letter response isn’t always a rejection 🙂 Stay positive!

    Reply
    • Thanks for this feedback. I just got a mail from NY&Co asking me to make a call for some verification processes. I was worried the letter would mean a turn down especially I just got 3 more CC thru the cart trick last week.

      Reply
  47. Hey Everyone! For VS have you entered your credit card information to be approved? I ask you this because they asked me next minute after i created the account. I’ve tried two different names I didn’t get anything. I tried VS, HSN and OVERSTOCK. What am I doing wrong?

    Reply
  48. It’s so frustrating!!!I can’t get it to work for me AT ALL!! No matter what I do!

    Reply
  49. I just tried for Wayfair and surprising immediate pop up

    Approved for 500$

    Reply
  50. Wow… I have horrible credit hmmm around 568 ! I have credit with gettington (who after paying over minimum and on time doubled my credit limit and Fingerhut. I’m So Glad that i found your site. Got approved for VS card too but I haven’t had success with any others. I think that I will give it some time and try again in a month or two. Thanks for sharing this information!!

    Reply
  51. I can’t get this trick to work for me. Do you have any idea of how do I clear cookies on a iPad?

    Reply
    • To clear the cache on your iPad In the Settings app, tap Safari, and you will see options to Clear History and Clear Cookies and Data. You can use these options as a first step in cleaning up your Safari browser. 🙂

      Reply
  52. Hello! I haven’t tried this yet just I jut read the comments.My question is that if need to use the cards if you get approved? I want to build my credit but I’m trying to stay away from credit cards.

    Reply
  53. I just want to clarify that any pop-up blocker/spam software running on your computer or pda should in fact be turned “off” before attempting this technique.

    Paranoid pessimit that I am requires I unburden myself before showing this slightly altered (NO WORDS have been added/altered/omitted from the original quote; asterisks bookending key words in the following quote are meant to both convey emphasis (as well as the capitalization of these words); the asterisks are bracketed “[**]” to let the reader know that text held w/in brackets are not part 7 of the original quote. Nor are any of the words from the original quote written in all caps. Now that my libel paranoia has been quelled,
    “2. Turn off your popup blocker or anti-spam tool. The offers for credit cards will be appearing on your screen during the checkout screen, and if your popup blocker is [**]OFF[**] you [**]WON’T[**] BE ABLE TO SEE THE PREAPPROVAL OFFER. You can always turn it back on after you get the cards you want.”

    Reply
  54. I tried it and it worked for Overstock (i got $3000) and also for my husband with Wayfair ($500). I had No luck with the VS… and I’m not sure why. I guess I’ll just keep trying.

    Reply
  55. What do I have to do if my credit report has my middle initial and I can’t get any of the stores to work. Can this be the problem and most important can I do anything to fix it?

    Reply
  56. I think(hope) that my girlfriend will be happy that I am shopping for her 😉 So far these are the ones that have worked:

    VS
    LOFT
    Williams Sonoma
    J Crew
    Wayfair

    Reply
  57. HSN worked for me for $1750.

    Reply
  58. I have tried the VS multiple times and it seems that it don’t want to pop up, I’ve followed the directions and everything. Is anyone else have this problem? What do I do? I’m 19, with absolutely no credit.

    Reply
    • The same thing happened to me. I tried with VS for like a year. I tried maybe every other month and I finally got the pop-up..only $350 though. Make sure you create an account that helps too. Good luck!

      Reply
  59. It didn’t worked for me 🙁 No pop ups at all. I tried VS and Express.

    Reply
  60. Hey!I don’t have a desktop to use, I have only an iPad /iPhone. I tried on my iPhone but no luck and the iPad either!! Could this be the reason? Do I really need a desktop?

    Reply
  61. After trying much more companies… I just got approved for a 400 ny and company credit card I’am so happy really thanks a lot I will keep trying!!! By the way I used my iPad so no need for a desktop but I will try more if it doesn’t work then I will try my desktop

    Reply
  62. Hmm overstock is stating “Please enter a valid Social Security Number” Am i doing something wrong? Any suggestion?

    Reply
    • Go ahead and enter it. They wont do it with just the last 4. It will still be a soft pull. I got my approval and no hard pulls on my reports. I was able to get Overstock 250, VS 500, Sahalie 350, and Brylane 500. I really wanted Pier 1, Pottery Barn, Express but I guess my score isnt good enough yet.

      Reply
  63. I wonder what I am doing wrong. I’m not getting anything. I’ve been trying for months.

    Reply
  64. Hello I just got approved for NY& Co. Thanks for the help provided.

    Reply
  65. Does any of these pulls come from Experian? That’s my best score and probably the best chance for approval. I have VS and NY&Co, but I had no luck with HSN, Overstock, Brylane Home, Justice, or anything else I’ve tried those from the list!

    Reply
  66. I’ m not sure if anyone tried, but this also works at Pier 1. I got the pre-approval to pop up as soon as I started to check out.

    Reply
  67. Great news!! I was pre-approved for Gettington. I know it’s not part of the Comenity bank group but thought I’d share. It didn’t popup but it did appear in the “cart” area. It stated that I was pre-approved for $400.

    Reply
  68. Well I am very happy that I got three approvals…but they approved me at my first attempt …now I wonder once you create an account with the company do you have the same luck? I mean does the trick work with an existing account? Or do you an advice for us to just buy as a guest and use other email etc? So far after I tried once and of course I had to create an account and the window offer never showed… then I’ve tried the trick many times and it won’t work..it won’t even as a guest with other emails…. I wonder if I have to use another computer!

    Reply
  69. What does it mean to have a freeze on your credit? I’ve read instructions and a few places do u create account shop and checkout within your acct or do you checkout as guest? PLEASE HELP?!?!

    Reply
  70. It happened before i got to the check out. I had just registered for their rewards program and got the pop up.I also just tried it at JD Williams and used the SCT. I got to the payment portion and left the cart admitting defeat. I was routed back to the cart and there it was! pre-approved!!

    Reply
  71. I just got Eddie Bauer $350 in last weekend. Got also NY&C for $500 and Ann Taylor for $250. I’m still looking to get Abercrombie and Fitch and Gamestop!!! Any suggestions for me? I have tried various times for those 2 cards. 🙁

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  72. Do you need to enter credit card info to get the popup?

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  73. Hi! I have a question. I wonder once you create an account with the company do you have the same luck? I mean does the trick work with an existing account? Or do you advice us to just buy as a guest and use other email etc? After I tried once and of course I had to create an account and the window offer never showed… then I’ve tried the trick many times and it won’t work..it won’t even as a guest with other emails….wonder if I have to use another IP/Computer.

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  74. Why is it not working for me????? I am not getting anything to pop up. I’ve cleared everything, turned off everything and even tried different browsers, what am i doing wrong?????????????

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  75. I’ve read many articles with the Shopping Card trick, and also a lot of comments that followed. There is one question that I have not seen asked or addressed.
    So here it is: If I went to a site, let’s say Ann Taylor. I entered my info, whether it is through registering, or checking out as a guest. I did not get a pop-up (I followed the correct steps, opt-in, no cookies, clear cache, clear browsing history etc), so since I didn’t get a pop-up, no pre approval.
    So, if I want to go back a few days, weeks, etc. later, since I would already be registered from before, would I get a pop-up pre approval? I read some people go back at a later time and get approved.
    What do you do (if anything) different the second time as opposed to the first try?
    Also, is there a posibility to cancel or delete the registrations?

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  76. ElizabethJune 16, 2017 at 4:59 pm

    I am currently working to rebuild my credit, so I thought this was a good idea. Got my Victoria Secret card with shopping cart trick at my first try. I Went back in a couple of days and got my Buckle card at the first try. Because I really like to shop at Express I applied online and surprise, I instantly received a $250 credit limit.

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  77. Am I automatically opted once I filled the form out? or do I have to wait until I receive the notice I’m opted in?

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  78. I’ve been reading all the comments here and thank you they really helped me up with my credit and my husband. I finally got the pop ups by looking at my credit report and comenity bank uses equifax and my name on that report is my maiden name and is spelled wrong, so I used that name and got 3 pop ups today ny and co, full beauty, and romans so I would look at your eqifax report and use that name and see if it works for you.

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  79. I’ve been trying the trick since March/April using my smartphone,but no luck. Bought a new computer and something said ( in my mind) “go and try again”. First store was Victoria’s Secret, got without a problem. I also got the buckle, Jessica London and simply be. The buckle and Jessica London I checked out as a guest VS and SimplyBe I had previously created an account. VS I had to go through the procedure but Simply be as soon as I logged in a pop up showed up. Thanks for sharing this info,this really helped me a lot.

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  80. Victoria’s Secret worked for me! I did not believe it as I have been denied by them few times over the years. Approved for $350! I’m so glad that I found this “trick.”

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  81. I have had zero luck with the first attempts and now I figured out why. They do use experian and although my name and address is correct on there I think I am getting rejected for a few reasons. The first one being that commenity bank already is showing up as an inquiry on my report as of June 2015 ( I don’t know why or how this is possible). My name also has a Middle initial and there is no place to put that information. What do you guys suggest?

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  82. I am building my credit for the first time, so just starting out with 1 derogatory medical collection on my credit report, my FICO scores are all in the range of 540-560. Using the shopping cart trick, I have been approved for VS, Roamans, Ann Taylor, Boscovs, J. Crew, Simply Be, and NY & Co. All of them have low starting limits with NY & Co being a bit higher than the others, but that was to be expected with my FICO score. I only finished the purchase on 2 of the cards, because I certainly don’t want my credit building journey to begin with a bunch of debt, but I wanted the accounts to all age together, hence getting this many accounts.

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  83. Well i have good news and bad news! I applied for some cards and unfortunately I got hard pulls and my credit score for Equifax decreased from 628 to 606… Transunion has actually increased one point. I was approved for Gordmans-JD Williams-Simply Be-New York and Company-VS-Overstock-Roamans-Brylane Home-Pier 1-Jessica London-Coldwater Creek-Kohl’s-Ann Taylor and HSN…that’s pretty good. Now I intend to pay my balance on each one before the end of the month and I hope I will rebuild my score back up, I never should have applied for Walmart (denied) and Century link has done several hard pulls for internet service. I really wanted the Dress Barn, Wayfair, Chadwicks, Pottery Barn, Christopher and Banks and West Elm, but have tried and just can’t get a pop up, and this was before my score decreased due to the hard inquiries, can’t figure it out.

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  84. It worked for me as well!! I got an Overstock for 750.00 Victoria Secret for 250.00 and Buckle for 250.00!! Great stuff, are there any other Banks that do this besides Comeny?

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  85. My middle initial is on both Equifax and Transunion but when I put in my information when I get to check out it doesn’t have a spot to put my middle initial. Should I just leave it off or out it after my first name? I also got the pop-up for VS but when I went to put it in I think I may have messed up. I changed the address right then and there because I no longer live at the address on my credit reports. I have received no emails no letters nothing.

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  86. I’m trying to start this now, however i have 2 questions:
    1) How long after opting in do you suggest i need to wait because i need to make sure the information is updated?
    2) If nothing is popping up for an offer…pop ups are definitely enabled and spam blocker is off…then what? Click apply? Or does it only work if it’s a pop-up offer to apply?

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  87. I have a couple of questions and I hope that you can answer for me.
    1st. My address from my credit report is old. So how do I get the cards with my new address?
    2nd. I already get email stuff from Buckle, HSN, andWay fair. Can I still try to get cards from them even though I already have accounts?
    I Just don’t know how to get the cards to the right address. Also is there a minimum credit card that works for most of these stores?
    Thanks

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  88. Simply B worked for me finally. .registered and the prepproval popped up.. $200 cs 505..

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  89. I just wanted to thank you so much for this info! I got the Victorias Secret card on the first try! Now I’m trying for Express and Buckle.

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  90. I just did the shopping cart trick at wayfair. I created a account with them, an offer appeared “Appliy for a card with us and you get $40 off your first order of $250” then I added a matress and a rug for $4567.62 and they extended $3500 credit. I didn’t bought anything, only did it to see if it will work. I only used the last four of my social. So my credit is ok but it’s still good to know that you can get credit without a hard pull. Hope this helps somebody, and remember, no two cases are exactly alike.

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  91. It worked for me! I was able to get VS, JJill, Brylane, Pier1, and Jessica London all in one day.
    Thanks so much!

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  92. I think that there is something wrong in what I’m doing because I’ve tried at VS & BBW and still nothing pops up. I’m using a Macbook, could that possibly be the issue? I rarely get pop-ups from here regardless of the website. Used several emails and Nothing for me, yet my friend was able to do several for her & her husband.

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  93. It worked for me right away (VS). I showed my friend who tried it but nothing popped up.

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  94. I just tried this for me, for my brother and my mom. My brother was approved for HSN $750, Overstock $250, Venus $250 and Ann Taylor $250. I was approved for Wayfair $1500, Venus $750, Overstock $1500, HSN $1000 and Ann Taylor $250. The pop up did not show up with my moms information at all but I assume that may have to do with the fact that she has 0 (ZERO) credit history. tHat seems to be more bad than a credit. What I noticed is that HSN, Overstock and Ann Taylor required a payment method to be entered and saved before the popup came up so be prepared to go through ALMOST the entire checkout process. Hope this helps.

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  95. Wow It really works!! I just got approved for the Ny & Co. and the Victoria Secret cards. I did the trick back to back on both sites. I want to say that if your score is REALLY low it tends to not work….I have noticed this with a couple of My friends. (My score range was 630-650). It raised my score 20 pts.

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  96. Do I need a Computer? I tried VS, Express, A&F from my iPhone and Ipad and did not get a pop up.

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  97. Guys I need your help!!! I got VS and buckle to work but can’t seem to get overstock, which I really really want!! Do I need some pointers????

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  98. Does anyone had success with a credit score of 480~500?
    Also, does these still work? Granted, I know that I need to be patient but it’s frustrating to do not get a single pop-up… Damn.

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  99. Hei I Did it with Victoria secret and it worked from the first attempt. Anyway i forgot to tell that actually I was denied 4 month ago. They gave me a $500 limit. Please be sure that you are doing it using a computer

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  100. Does anyone got Abercrombie & Fitch to work? I really want this one and also GameStop, but I had no luck.
    Anyway this are my score for others:
    Victoria Secret $350
    Overstock $250
    Jessica London $250
    Express $500
    Buckle $300
    Credit score was 530-550 a year ago and it’s 590-620 now. Trying to build it back up to the 700’s.

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  101. I was pre-approved pop-up for Sonoma Williams, they asked me for full SSN – has anyone received this request too? If so, was it a SP or HP? I don’t want to risk a HP! Thanks 🙂

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  102. I have tried it all for over a week and i finally got Jcrew 250.00 and VS 500.00 to pop. The other one I need to pop is New York but I was declined.

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  103. Great News! I was approved for Ann Taylor, HSN, and Full Beauty back in November. They were all pop-ups. I viewed my Equifax and Transunion credit report today and surprise all three made a hard pull?? They scared me and I don’t understand why. Has anyone had this problem, and I only entered the last four digits of my SS number. I believe it has decreased my credit score.

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  104. I was wondering if I can still get approved after I created an account.. I was approved a few months ago on my first attempt on three cards.. but after several attempts it keeps asking for the account log in which I had to create the first time on many comenity bank cards on your list and unfortunately with no approval so now every time I make an attempt it will ask for an account and no pop ads.. does having an account make a difference on approval?I’ve been trying for two months a couple of times each day with no pop ups.

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  105. Does anyone from here had success with Herberger’s? I have tried many times but no pop-ups.

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  106. Does anyone had any success with BonTon? If yes, can you tell me please the process, I have been approved for numerous others, but cannot get the BonTon to work.

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  107. Is there any chance to get this trick to work in Canada?

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  108. I tried this trick today and got a pop ups for NY and Company. After I filled out the info it said further verification was needed. Has anyone else experienced this? Does this mean that they denied my reqeust??

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  109. This trick worked for me a few years ago and I got VS with a $500 limit. Today I tried again to get the card but hasn’t worked yet. But I was able to get:
    Express – not sure of the limit yet.
    NY & Co – 7-10 I should get an answer.

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  110. I just did vs for 350 and right after got express, I did it using a laptop vs phone, but express didn’t tell me how much. My score is low 500s

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