![]() I have a long post on Comenity cards here. If you want to take advantage of the shopping cart trick, then you will want to target retailers with cards offered by Comenity as it is by far the #1 shopping cart trick bank (though the Dillard’s credit card, offered by Wells Fargo, is reported to work as well). Make sure you match whatever is on your credit report. You can also try changing up the email address you’re using and if you’ve moved recently you can always try using an older address to get the retailer to recognize you. If you’re not getting the offers, it never hurts to try incognito mode on your browser. ![]() You can always request a credit limit increase once you get your card. I would not expect it to be high though – they are typically $500 or less. You may or may not be told the credit limit on the account. You do not have to buy any of the items in your cart once you accept the offer – you will still get the account. Once you accept the account offer, you can choose whether or not you want to proceed with using your new account to finalize your purchase.If you have pop-ups blocked, you may miss the offer.If the trick is going to work, you will get a pop up offering you an account at some point before you have to enter payment info. and go as far as you can before it requires you to enter your credit card information. Enter your shipping address, billing address, etc. Pick an item or two and add it to your shopping bag or shopping cart.You give them your name, email, phone number and maybe address information. At this point, I usually register or join or whatever that particular store calls it.Go to the retailer’s website, such as.Comenity is a major issuer of retail store credit cards, but also issues a few Visa and Mastercard branded-cards. The trick applies only to cards issued by Comenity Bank.If you get credit card offers in the mail, you are opted-in for sure. Unless you remember opting-out, you are probably opted-in already and don’t need to worry about this. If you know you are opted-out, you can opt-in again here. If you don’t know what this means, click here. You MUST be opted-in for promotional offers.The best summary I’ve been able to find is on a blog called “Roots, Credit, and Life”: I’ve seen little discussion about this on blogs. I have no experience with this so I can’t vouch for it myself, but many of my readers have had success with this trick and you can read their stories in the comments in my Comenity credit card post. ![]() The basic principle is that you give retailers your info and then they’ll preapprove you and open a new card with no hard pull. In last week’s post on retailer credit cards, a few commenters voiced the opinion that the rewards from retailer credit cards aren’t worth getting a hard pull. Different people can disagree on what exactly a hard pull is worth, but everybody can agree that all things being equal, it’s best not to have too many hard pulls.īut did you know there’s something called the “shopping cart trick” which lets you get a credit card without a hard pull? I’ve seen it mentioned in a few places as a way for people with poor credit to build up their credit file, but it’s also a way for people to reap retail credit card rewards without getting too many applications for new credit on their file. ![]()
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