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What is the Shopping Cart Trick for Comenity Credit Cards and How Does it Work?

Summary:Learn about the Shopping Cart Trick for Comenity Credit Cards, a method for people with low credit scores to obtain credit cards. Discover how it works and some tips for using it successfully.

The Shopping Cart Trick for Comenity Credit Cards: How Does it Work?

The Shopping Cart Trick is a method used by people withlow credit scoresto obtain credit cards from Comenity Bank. It involves adding items to your shopping cart on a retailer's website, then navigating to the checkout page. If you are eligible, a pop-up will appear, offering you a credit card from Comenity Bank. In this article, we'll explain how the Shopping Cart Trick works, and provide some tips for using it successfully.

What is Comenity Bank?

Comenity Bank is a bank that specializes in providing credit cards to consumers. It has partnerships with many retailers, including Victoria's Secret, J.C. Penney, and Pottery Barn. Comenity Bank offers credit cards withrewards programsthat are tailored to each retailer's brand. For example, if you have a Victoria's Secret credit card, you'll earn rewards points for every dollar you spend at Victoria's Secret, and you'll receive special discounts and offers.

How Does the Shopping Cart Trick Work?

The Shopping Cart Trick works because Comenity Bank uses asoft credit inquiryto pre-approve potential customers for credit cards. A soft credit inquiry does not affect your credit score, unlike a hard inquiry, which does. When you add items to your shopping cart on a retailer's website, Comenity Bank can see that you are interested in that retailer's products. If you have a low credit score, Comenity Bank may offer you a credit card as a way to incentivize you to make a purchase.

To use the Shopping Cart Trick, follow these steps:

1. Choose a retailer that partners with Comenity Bank. You can find a list of Comenity Bank retailers on their website.

2. Add items to your shopping cart on the retailer's website.

3. Proceed to the checkout page. You may need to create an account or sign in to your existing account.

4. If you are eligible for a credit card from Comenity Bank, a pop-up will appear offering you the card. You'll need to provide some personal information, such as your name, address, and Social Security number.

5. If you are approved, your new credit card will be added to your account, and you can start using it right away.

Tips for Using the Shopping Cart Trick

Here are some tips for using the Shopping Cart Trick successfully:

1. Make sure your credit score is low enough to be eligible for a Comenity Bank credit card. If your score is too high, you may not receive a pre-approval offer.

2. Use a private browsing window or clear your cookies before attempting the Shopping Cart Trick. This will help ensure that Comenity Bank sees you as a new customer, rather than an existing customer who has already been offered a credit card.

3. Be patient. It may take several attempts before you receive a pre-approval offer.

4. Read the terms and conditions of the credit card carefully before applying. Some Comenity Bank credit cards have high interest rates or annual fees.

5. Use your new credit card responsibly. Make timely payments and keep your balance low to improve your credit score over time.


The Shopping Cart Trick can be a useful tool for people with low credit scores who are looking to obtain a credit card from Comenity Bank. By following the steps outlined in this article and using the tips provided, you can increase your chances of receiving a pre-approval offer. Remember to use your new credit card responsibly, and you can improve your credit score over time.

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