Shopping Cart Trick for Rebuilding Credit

Mistakes happen and it can be a long road to recovery when it comes to rebuilding credit.

The Shopping Cart trick is useful for people who have:

1. Declared bankruptcy in the past and is trying to recover
2. Defaulted on payments in the past
3. A lot of credit inquiries and doesn't want to add more inquiries
4. Made late payments in the past and had their accounts closed because of this
5. Someone who doesn't have a credit score at all

The caveat is If they ask you to enter your whole social security number, and not just the last 4, then it will most likely be a hard inquiry. With anything mentioned in this post, your mileage may vary, so it may work for some people and not for others.

If you use this method and have defaulted on payments in the past, be sure to pay off your bills every month. 

The Shopping Cart Trick

The Shopping Cart Trick is visiting a website and waiting for a credit card offer to pop up when you check out. You do not need to purchase anything, it will appear before the payment page. This method only works for certain stores. 

A few examples are Express, Overstock.com, and Williams-Sonoma. There are a few Synchrony cards like Walmart and QVC that work as well. Full list of stores can be found at the end of this post.

When you go through the process, be sure to have the ad blocker turned off and enter your real address. If the store can't match the last 4 digits of your SSN with your address, then the soft pull won't work. Again, you might have to go through the shopping process a few times before you receive an offer. You don't have to buy anything.

The credit limits might be lower for some people, but the idea is to rebuild your credit. If you do choose to go through this process, I recommend picking stores you will actually shop. It doesn't make sense to get a bonus or points at a store you don't shop at. Most, if not all of the cards, don't have annual fees, so they are good as foundation cards. 

For me, this trick doesn't work out well because I don't frequent the listed shops often. 

Full List of Stores for Shopping Cart Trick

Source: MyFico Forums

  • Abercrombie&Fitch Credit Card
  • AdWords Business Credit Card
  • ALON Credit Card
  • American Laser Skincare
  • American Commercial Credit Card
  • American Home Credit Card
  • American Signature Credit Card
  • American Credit Card
  • American Home Furnishings Credit Card
  • Annie Sez Credit Card
  • Ann Taylor MasterCard Credit Card
  • Ann Taylor Credit Card
  • Arizona Mail Order Credit Card
  • Arhaus Credit Card
  • Ashley Stewart Credit Card
  • Avenue Credit Card
  • Bedford Fair Credit Card
  • Bealls Florida Credit Card
  • Bealls Credit Card
  • Bealls Outlet Credit Card
  • Bergner's Credit Card
  • Blair Credit Card
  • Blue Nile Credit Card
  • Bon Ton Credit Card
  • Boston Store Credit Card
  • Brylane Home Credit Card
  • Brownstone Studio Credit Card
  • Brylane Home Visa Card
  • Buckle Credit Card
  • Burke's Outlet Credit Card
  • Carter Lumber Pro Credit Card
  • Carson's Credit Card
  • Carter Lumber Credit Card
  • Catherines Credit Card
  • Chadwick's Credit Card
  • Chadwick's Visa Card
  • Christopher and Banks Credit Card
  • The Company Store Credit Card
  • CosmeticCredit Card
  • Crate and Barrel Credit Card
  • Crescent Jewelers Credit Card
  • Cruise One Mastercard Credit Card
  • David's Bridal Credit Card
  • Dental First Financing Credit Card
  • Design Within Reach Credit Card
  • Domestications Credit Card
  • Dots Credit Card
  • dressbarn Credit Card
  • DUTYFREECOM Credit Card
  • Dunlaps Credit Card
  • Eddie Bauer Credit Card
  • Elder-BeermanCredit Card
  • El Dorado Furniture Credit Card
  • Express Credit Card
  • Fashion Bug Credit Card
  • FastLine
  • Fortunoff Credit Card
  • Fortunoff VISA Credit Card
  • Friedman's Credit Card
  • GameStop
  • Gander Mountain MasterCard
  • Gander Mountain Credit Card
  • Garden Ridge Credit Card
  • Gardner-White Credit Card
  • Giant Eagle fuelperks! credit card
  • Goody's Credit Card
  • Gordmans Credit Card
  • Goody's Stage Store Credit Card
  • Gold Violin Credit Card
  • Grand Rental Station Credit Card
  • Haband Credit Card
  • Henri Bendel Credit Card
  • HealthiPlan
  • HealthiPlan Medical Credit Card
  • Herberger's Credit Card
  • Home&Garden Showplace Credit Card
  • Ideal Image Credit Card
  • Home Shopping Network (HSN)
  • Home Shopping Network (HSN) Mastercard
  • Jessica London Credit Card
  • J. Jill Credit Card
  • Justice Credit Card
  • Kane Furniture Credit Card
  • Lane Bryant Credit Card
  • La Redoute Credit Card
  • Lew Magram Credit Card
  • Levin Furniture Credit Card
  • Little Switzerland Credit Card
  • The Limited Credit Card
  • Linensource Credit Card
  • Lifestyle Lift Credit Card
  • LOFT MasterCard Credit Card
  • LOFT Credit Card
  • Mandee Credit Card
  • maurices Credit Card
  • Marathon Credit Card
  • Marathon VISA Card
  • metrostyle Credit Card
  • MedChoice Financial Credit Card
  • MedChoice Premium Credit Card
  • Monterey Bay Credit Card
  • MyPoints VISA Credit Card
  • My World Credit Card
  • New York&Company MasterCard
  • Newport News MasterCard
  • New York&Company Rewards Credit Card
  • Newport News Credit Card
  • Norm Thomson Credit Card
  • Ohio University Alumni MasterCard
  • OneStopPlus.com Credit Card
  • OneStopPlus.com Visa
  • OSH Credit Card
  • OSH Commercial Credit Card
  • Overtons Credit Card
  • Palais Royal Credit Card
  • PacSun Credit Card
  • Parisian Credit Card
  • Peebles Credit Card
  • Petite Sophisticate Credit Card
  • Petland Credit Card
  • Pier 1 Credit Card
  • Pottery Barn Kids Credit Card
  • Pottery Barn Credit Card
  • Priscilla of Boston Credit Card
  • Premier Designs Credit Card
  • Rainsoft Credit Card
  • Reeds Credit Card
  • Restoration Hardware Credit Card
  • The RoomPlace Credit Card
  • Roaman's Credit Card
  • Samuels Jewelers Credit Card
  • Sahalie Credit Card
  • Silhouettes Credit Card
  • Smile Generation Financial Credit Card
  • Solutions Credit Card
  • Spiegel Credit Card
  • Sports Authority Credit Card
  • The Sportsman's Guide Visa
  • Springstone Credit Card
  • Stage Credit Card
  • Steeles Credit Card
  • Taylor Rental Credit Card
  • Talbots Credit Card
  • The Tog Shop Credit Card
  • TigerDirect Credit Card
  • Torrid Credit Card
  • Total Rewards Visa Credit Card
  • Trek Credit Card
  • True Value Credit Card
  • UnderGear Credit Card
  • uTango VISA Credit Card
  • Value City Furniture Credit Card
  • Venue Credit Card
  • Venus Credit Card
  • Victoria's Secret Credit Card
  • Virgin America Visa
  • Vitacost Rewards Mastercard
  • West elm Credit Card
  • Westgate Credit Card
  • WinterSilks Credit Card
  • Woman Within Credit Card
  • Younkers Credit Card
  • Your Tuition Solution Credit Card