![]() ![]() 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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