When prompted, enter your address and information exactly as it appears on your credit reports. It doesn’t matter which item or items you choose - you won’t need to buy them for the trick to work. Typically there is a link on the top menu that says “Create an account.” Register on the website and/or join the loyalty program.Go to the website of the store where you want to get a credit card.How It Worksįollow these steps to use the shopping cart trick: If you need a lot of credit, the shopping cart trick won’t be helpful to you. However, be aware that it doesn’t always guarantee a soft pull, and when you open new credit cards, the average age of your open accounts will decrease, which may temporarily bring your score down.Īdditionally, note that the credit limits for cards acquired with this trick usually start relatively low (around $500 in many cases). The shopping cart trick can be useful for building credit when your score is low. Some stores may even offer a signup bonus, which you can use as an instant discount on your first purchase using the card. These offers might include cash back, coupons, or cardholder-exclusive sales. Once approved, you may receive bonuses or promotions from the store through which you apply. It only requires a soft credit inquiry so the retailer can verify your identity. It’s especially useful if your credit score is too low to get a traditional credit card. The shopping cart trick allows you to avoid a hard pull on your credit report, which can bring down your credit score by a few points even if you receive approval for the card. The shopping cart trick is a pop-up offer of pre-approval that you might receive during the checkout process when shopping at an online retailer.ĭuring the checkout process, you’ll receive a pop-up that prompts you to apply for the store’s credit card.īy applying for the credit card during checkout, you’ll receive an approval decision immediately and may be able to bypass a “hard pull” credit check - a full review of your credit report. It can allow applicants with poor credit to get pre-approved for a credit card during checkout.īelow, we explain how to use this trick and list the stores where you can use it. The “shopping cart trick” is a way to get approved for a store credit card without a hard pull of your credit report, which can lower your credit score by up to five points.
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