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Valued Contributor
Posts: 1,107
Registered: ‎02-03-2009
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Re: Shopping cart trick work for you?? Please add to list!

stefnian0426 wrote:

Hi all,


I am making this post to explain the shopping cart trick.


The shopping cart trick is from what i gathered mostly comenity bank cards. (not all of them)


Go to there store, add items into your cart, go check out and put in your info (as it appears on your credit report)

If that store approves you, you will recieve a pop up (or maybe a new screen) which says you are pre approved. It will have your brief info and ask you to type in your last 4 digits of your social. Some stores will say how much you are approved on the pop up (some dont)




-PRE APPROVAL- (which is what i am talking about) is when it says you have been PRE APPROVED (again might say amount) and asks you to ONLY TYPE IN LAST 4 DIGITS OF SOCIAL- this is what you want if you do not want it to show up on your credit report


-PRE QUALIFY- this is when you have to bascially fill out a app. (type in more then the last 4 digits of social) THIS WILL SHOW UP ON YOUR CREDIT REPORT AS IT IS A HARD PULL


i see many people who think they are the same.. THEY ARE NOT!


not everyone will get the pre approval. If you dont, you can try in a week or maybe you need to opt in (google opt in/opt out) it is a site where you can choose whether you want to recieve offers of credit ect.


If you have tried this trick..PLEASE  let us know if it has worked. I would like to get a complete list of stores to make it easier for those who wish to try, to find.


This is not true for everyone, some people (myself included) were pre-approved for Total Rewards and Fuel Network Mastercard, and still got a HP. Not sure how they decide if you get a HP or not.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Frequent Contributor
Posts: 297
Registered: ‎12-14-2013
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Re: Shopping cart trick work for you?? Please add to list!

Smiley Happy



VS $250/Dec 2013

Express $250/Dec 2013 (Did not receive pre-approval pop up but did not receive a hp after applying, maybe a pre-approval was blowing in the wind?)

Buckle $250/Dec 2013

LinenSource $250/Jan 2014 (and closed it this month, wish I kept it but was getting denied for credit for having too many accounts)

LOFT $250/Dec or Jan 2014

J.Crew Dec 2013 Starting limit $250, hit love button last month $200 cli, made a $25 purchase within the 30 day cli, hit love button and another $200 cli, now sits at $650

OneStopPlus Dec 2013/$500


I hard apped and was approved for:

The Limited Dec 2013 $250

Beall's Dec 2013 $300 (no free returns/exchanges online, wish I had known that before applying)

True Value Dec 2013/$350 with $200cli last month no purchase ever made but I went to thie website yesterday and they have tons of items (hair utensils, cookware, houseware, etc etc)

Bon Ton $300 Dec 2013/closed last month


I've read that the cli's do not report the new limits with the comenity cards until a purchase is made after the increase

Had scores in the extremely high 500's when pre-approval pop ups appeared for these cards. Scores are all mid to high 600's now (old student loans on all credit reports for 120 day late/derogatory, all marked as closed and paid

EQ FICO 694 TU FICO 689 EXP FICO 695(Started rebuilding in Nov 2013, student loan charge-off's dating from 2011, all marked as paid on CRB's) 14% Utl Chase United Mileage Plus $5G/Citi DoubleCash $4G/USAirways MC $5G/NFCU cashRewards $11,500/Navcheck $10G/Cap1 Quicksilver1 $2,500/Cap1 Quicksilver1 $2G/Gap $2500/Barclay Rewards MC $1G/Walmart $2,500/CareCredit joint $8400 LOFT/Express/VS all $2500 /J.Crew$7500/True Value $3G/True Value Discover$3G/Nordstrom $6G/Amazon $4G/ Amex Hilton HHonors $1G/Chase Amazon $500/Chase Freedom $2G/Paypal MC $4G/Amex Everyday $2G/Venture $5G/Amex Costco$2G
New Member
Posts: 2
Registered: ‎03-02-2014
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Re: Shopping cart trick work for you?? Please add to list!

I was preapproved for


total rewards $1000

fuel rewards network $3000

sportsman guide $2000

vitacost $7500

my points $250


New Member
Posts: 2
Registered: ‎03-02-2014
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Re: Shopping cart trick work for you?? Please add to list!

all hp

Senior Contributor
Posts: 4,669
Registered: ‎06-21-2012
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Re: Shopping cart trick work for you?? Please add to list!

SeanS wrote:

all hp

Sportsman's Guide was a HP?  Mine was SP.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Super Contributor
Posts: 8,180
Registered: ‎05-23-2009
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Re: Shopping cart trick work for you?? Please add to list!

Fuel rewards MC $12k
Total rewards Visa Signature $9.9k
Vitacost MC $12k
Cold Watercreek MC $8k
Solution VIP $750
Blair $750
They were all SP.

Frequent Contributor
Posts: 407
Registered: ‎02-06-2014
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Re: Shopping cart trick work for you?? Please add to list!

I got the Victoria Secret popup   $750 Limit



                Also just now The Sportsman Guide   ,   I didn't accept any of them.  I have the Sportsman Guide up and I am very tempted to hit accept, but don't need any new credit right now.  I am curious to see what kind of CL they give me though...  They are a SP or a HP?

Valued Member
Posts: 49
Registered: ‎02-10-2008
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Re: Shopping cart trick work for you?? Please add to list!

Loft $500

VS $350

JCrew $250


All soft pulls. I was offered other store cards but chose these three because these are the only places I actually shop.

Nov. 2013 FICO scores: EQ 565 | EX 536 | TU 539
October 2014 FICO Scores: EQ 635 EX 639 | TU 667
Goal: 700s across the board and a Chase SW Visa!
Gardening indefinitely
Frequent Contributor
Posts: 367
Registered: ‎08-11-2011
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Re: Shopping cart trick work for you?? Please add to list!

i got 3 cards this weekend using the shopping cart trick. For all I always checked out as a guest and had between $150 and $200 in my cart. 


J. Crew unsure of the limit

Express unsure of the limit 

Brylane  Home $700


Im supposed to be in the garden so I'm hoping they are SP. I didn't get an alert from SW and I only had to enter the last 4 of my SSN. 

Amex ED $15k | NFCU cash $11.5k | BOA cash $6K | Citi AA $5k | AAdvantage Aviator $4k | QS $4.5k | IHG $3k Chase Slate $3k | Chase Freedom Unlimited $2.5k | Barclay Rewards $2.65k | Amex BCE $2k | Chase Freedom $2k | Citi DC $1.7k | Chase Amazon $1k | Citi Simplicity $1k | Discover It $1k | Last HP 5/6/16 Starting score: 530 Current scores:TU 701 EQ 695 EXP 687

Established Contributor
Posts: 540
Registered: ‎08-05-2009
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Re: Shopping cart trick work for you?? Please add to list!

Total Rewards Visa (Non Signature) $2.5 CL


Pop up on 3/10. Recieved card on 3/14. So far no HP


Only asked for last 4 of social. 

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797

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