Applying for new credit cards can be exciting but often comes with the drawback of a hard inquiry on your credit report. A hard pull can cause a temporary dip in your credit score, which is less than ideal. Fortunately, there’s a smart technique known as the “shopping cart trick” that can help you obtain store credit cards without a hard pull. This guide will walk you through the process step by step, including an important step to improve your chances.

What is the Shopping Cart Trick?

The shopping cart trick is a technique that allows you to receive store credit card offers without a hard inquiry on your credit report. It works by taking advantage of pre-approved credit card offers that are triggered when you add items to an online shopping cart. These offers are based on your credit profile but do not require a hard pull.

Step-by-Step Process for Using the Shopping Cart Trick

1. Opt In to Receiving Pre-Screened Offers

To increase your chances of receiving pre-approved credit card offers, you should opt in to receive pre-screened offers. This helps ensure that your credit profile is considered for promotional offers. Visit www.optoutprescreen.com and opt in to receiving these offers. This step is essential as it ensures that you’re on the radar for credit card issuers looking for potential applicants.

2. Check Your Credit Report and Score

Once you’ve opted in, review your credit report and score. Understanding your credit standing will help you gauge your likelihood of approval. A credit score above 650 typically increases your chances of success with the shopping cart trick. Ensure your credit report is accurate and free from errors that could affect your application.

3. Clear Your Browser Cookies

The shopping cart trick relies on cookies to identify pre-approved candidates. To get the most accurate offers, clear your browser cookies and cache. This step prevents any previous browsing data from interfering with the current offers you might receive.

4. Choose Retailers Known for the Shopping Cart Trick

Not all retailers participate in the shopping cart trick, but many do. Here are some common ones:

• Comenity Bank: Provides cards for stores like Victoria’s Secret, Express, and more.
• Synchrony Bank: Issues cards for retailers like Amazon, Walmart, and Kohl’s.
• Citibank: Offers cards for stores like Home Depot and Macy’s.

Research which stores have credit cards issued by these banks to target your efforts effectively.

5. Visit the Retailer’s Online Store

Navigate to the online store of the retailer whose credit card you’re interested in. For instance, if you’re interested in a Kohl’s card, go to the Kohl’s website. Browse through the site and add a few items to your shopping cart. This action simulates shopping behavior and helps trigger potential credit card offers.

6. Proceed to Checkout

After adding items to your cart, proceed to the checkout page. You don’t need to complete the purchase—just reach the payment section. Some retailers will offer you the opportunity to apply for a store credit card at this point.

7. Look for Pre-Approval Offers

On the checkout page, look out for any pre-approved credit card offers. These offers may appear as a pop-up, a banner, or an option on the payment page. The offer should clearly state that you are pre-approved for the card. If you don’t see an offer, it could be due to browser settings or your credit profile.

8. Apply for the Credit Card

If you receive a pre-approval offer, click on it and follow the application instructions. You’ll typically need to fill out a brief application form with personal information. This process should result in a soft inquiry rather than a hard pull, protecting your credit score.

9. Wait for Approval

After submitting your application, you should receive a decision almost immediately. If approved, your new store credit card will be sent to you by mail. If denied, review any feedback provided and consider addressing the issues before trying the trick with a different retailer.

Tips for Success

• Use Incognito Mode: To avoid issues with previous browsing data, use your browser’s incognito or private mode.
• Limit Your Applications: Avoid applying for multiple store cards in a short period, as this can negatively affect your credit score and may appear suspicious to creditors.
• Be Patient: Sometimes, you may need to try the trick with different retailers. Persistence and patience are key.

Conclusion

The shopping cart trick is an effective method for obtaining store credit cards without enduring a hard pull on your credit report. By following the steps outlined, including opting in to receive pre-screened offers, you can enhance your chances of getting pre-approved credit card offers. Always manage your new credit responsibly to maintain a healthy credit profile. Happy shopping and credit building!