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Tuesday, March 14, 2017

How To Rebuild Your Credit With Shopping Cart Tricks



Are you familiar with the “shopping cart trick” that can get you store credit cards that don’t result in a "hard pull" on your credit report. There are some rules to follow when trying to do this method:

You have to be opted in for (credit card promotional e-mails). 
THIS only works on cards issued by Comenity bank
Turn your pop up blocker off if one is in use. Most credit card offers pop up, if you have a pop up blocker on then you may not see it.
If your asked for your full Social, it could potentially result in a hard pull. So be cautious if your rebuilding your credit. You want to go for the stores that ask for your last four digits of your SSN

1. Go to the website of the store you want a card for.
2. Join their loyalty program or check out as a guest
3. Put a few items in your shopping cart
4. Begin to check out
5. Enter in your address,  This Must match your address listed in your credit reports exactly
6. Continue going through the check out process until you get to the final payment page. 
7.You hould receive your offer before this page, if you haven’t then either the shopping cart trick isn’t working or you need to try again.
8. Choose to accept your offer if provided
9. Complete the credit application

I made a list of stores below that I’ve personally had successful reports of this trick working. This method isn't %100 gauranteed so if you don’t see a pre-approved offer don’t feel bad, just try again every month or so and hope for the better. This is for rebuilding  your credit. Stick to it and walk down the path of success.

3. Express
4. Jcrew
5. Wayfair
7. HSN
10. Buckle




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