Ready to find out how to avoid a credit pull on your next credit card application? Let’s get started. It can be a positive tool to help rebuild your overall finances in many cases. Plus, you can get deals from stores you shop at frequently, such as a certain percentage off your purchase, gift certificates throughout the year, or free merchandise.įind out how you can implement the shopping cart trick and whether it’s suitable for your financial situation. You’ll be more likely to get approved because the credit card issuer won’t see your full credit history with your application.Īnother benefit is that the shopping cart trick can help you add an account in good standing to your credit report. The shopping card trick allows you to apply for a retail store credit card while avoiding a hard credit pull on your credit report. It’s known as the “shopping cart trick,” or sometimes the “soft pull trick.” What is the shopping cart trick? There’s a simple strategy that, in many instances, can help you do both. But two of the biggest concerns are how to qualify for new credit accounts and how to fix your credit. Having bad credit comes with more than a few downsides. Knowing that you’re more likely to get approved will help you avoid using an unnecessary hard inquiry. However, you can still use this trick to see if you’re pre-approved. ![]() ![]() So, use this method at your own risk.Ĭomenity Bank, Synchrony Bank, and Wells Fargo store credit cards all require a hard credit inquiry now to get approved. Update: The shopping cart trick isn’t working to avoid a hard inquiry for everyone.
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