- How do you do the shopping card trick? Let me show you, I got approved for two lines of credit with only soft credit inquiries. (dramatic music) Okay, today I'm going to be talking about the shopping card trick and if you've never heard of it, you definitely need to watch this video because this is a very helpful
trick to get lines of credit, usually store lines of credit
without hard credit inquiries. So if this is something
interesting to you, definitely watch this video. It's good to watch this video because I'll go through a demonstration on how you do the shopping card trick. In addition, throughout this entire video, there's going to be
little tips and tricks, how to strengthen your
chances of getting a pop up with the shopping card trick. So if you do the shopping
card trick correctly, a little pop up will appear. It will be a preapproval pop-up to apply for a line of credit and you'll know if you did it correctly if you're only asked
for the last four digits of your social security. If you are asked for the last
four digits of your social, then there will be no hard credit inquiry on your credit report,
only a soft inquiry. So who is the shopping
card trick good for? Well, it's great for a number of people, mainly for people rebuilding their credit, people that have no
credit history, students, people that are rebuilding
after bankruptcy. Quickly, I'm gonna go
over these two points. If you have no credit, you
can actually go straight over to discover and apply for the
discover it's secured card and typically people
with no credit history get approved for that offer. I did a video on it, explaining everything and it's a solid option for
people with no credit history. But if you have a bankruptcy, the discover is secured
card is not a good option. If you've had a very recent bankruptcy, it's not a good option but the shopping card trick is. This is a way a lot of people that have gone through recent bankruptcies have started to rebuild their credit without paying annual fees
or any other high fees that are associated
with some secured cards. So if that's you, you
definitely want to learn how to do the shopping card trick. So let's get started. Okay, so one of the first
things you need to know is that your information
needs to be accurate, your address that you're using. Now, if you recently moved that information might not be up to date with the credit bureaus. So if that information
doesn't match up your name and new address with the last four digits of your social security number, you will most likely
not be offered a popup. A possible way around this
is trying your old address if your mail is still getting forwarded. This can still be an option for you but the best thing to do
is to wait a little bit and wait for all your
information to update and then you're ready for
the shopping card trick. This is very important
because if you don't know this and you did this, you will not
get the shopping card trick to work for you. Some people in the past have opted out in receiving offers, credit offers and if you have done that, then the shopping card
trick will not work for you. So to fix that, you just need
to visit this website here and when you do that, just opt back in, wait a few days, maybe a week and then you can start
trying for store card offers using the shopping card trick. Here is another tip that helps people get a successful popup. When you are filling out
your information, your name and address, that information, don't use autofill. For some reason, and a lot
of people swear by this, that when they manually
enter all their information, they had a better chance
of receiving a pop up. One of the biggest things you could do to help improve your chances is to clear your browser
history, cookies and cache. If you don't know how to do that, there are a lot of videos on
YouTube that will show you how, but people that do this,
see a higher success rate. So this is one of the strongest tips I read constantly over and
over again, clear everything and that'll help you get a pop up. If that helped you to successfully get a soft inquiry pop up, let us know in the comments section below. Now I have never done this and I've received multiple pop-up offers using the shopping card trick and I've never done this
but some people swear by it. They say that they have an
easier time getting popups if they join the rewards programs that the particular
store credit card offers, because it's almost as
signaled to the store well that you are interested in
being a loyal, regular shopper. So this is how some people believe that they have a better
chance of getting approved if they join those reward programs. I've been able to get
it to work without that but if it makes a little
bit of a difference, I honestly can't tell you but if you're looking for
little things you can do to help increase your chances, this is one of the things to try. When I first learned
the shopping card trick, I was always told to check out as a guest but I have learned that
people do it either way. They either start establish an account or they will check out as a guest. I think that they basically work the same. So if in the past you were able to get the shopping card trick to work, tell us whether you did it as a guest or if you established an account, that'd be quite interesting to learn what you see more often. All right, so, so far,
if you like this video, if I'm giving you a
lot of good information on how to do the shopping card trick, please hit the like button and if you want to see more videos that I do talking about
different credit cards or how to build your credit score higher, please subscribe and hit
that bell notification. So I'm gonna tell you
something interesting about all of this. I've been doing the shopping
card trick since 2017. I have a blog article about it and if you want to check that out, you can click on the link. It'll take you right over there but one of the things I
did for my blog readers is I helped isolate offers
that were possible to get and I know they're possible to get because I actually did the
full shopping card trick and I received a popup and I would only list the ones that would ask for the last four digits of my social security number. So if you want to get a quick start and figure out which
cards you're most likely to get approved for,
check out that article, but I bring that up because
in all of that time, I only got two credit cards
from the shopping card trick but I have received multiple
popups, probably around 20 and what would happen
every once in a while was that I would get a pop up and they were for offers I didn't want. So I exited out and then weeks later, I would receive a letter in the mail asking me to reconsider
and get that credit offer. So if you get a pop up, decide
not to get a particular card, don't be surprised if you
get a letter in the mail asking you to reconsider. I like to call it the commodity
bank shopping card trick, simply because most of the
credit cards you can do this with are issued by Comenity bank. There are exceptions to the rule. There are a few synchrony bank cards that you can also do this with. What I'm talking about
revolves around Comenity bank store card offers but there were some synchrony offers that were also available for popups and the one that is the most well known is the Walmart store card. Now I am going to tell you something that you need to know because if you're watching older videos, they're going to tell you to
do the shopping card trick with the Walmart store card. And I'm telling you not to do that at all. You're wasting your time. I'm telling you that it's a waste of time because Walmart's store cards are not managed by Synchrony anymore. Just last year, it was announced
that Walmart credit cards are now managed by Capital One. So doing the shopping card trick now with Walmart store cards is
a complete waste of time. A lot of videos have been done
on the shopping card trick, older videos. Today I'm talking about
how it works today. I will be going over to express.com to try the shopping card trick. In order to do the shopping card trick, you need Google Chrome and you need to go into the settings. It's kind of difficult
to find these settings so I'm gonna walk this through with you. You need to go right here
at the settings button then you ought to scroll down
all the way to site settings. You can see here, you... Then you need to scroll down
to popups and redirects. It's blocked right now. Now I'm going to unblock it. It's recommended that it's blocked. So once you're done with
the shopping card trick, you want to go back and block popups again but for right now, we're trying to do the shopping card trick so we are going to unblock popups. Once you do that, you need
to go into incognito mode so you can see popups are allowed. So now you need to go back and you're going to hit
new incognito window and it says here, you've gone incognito. So now I'm going to the express website and here we are. So I'm going to put a few
items in the shopping card. I'm going to put in over a hundred dollars because that seems to be working the best. I guess everything's on sale cause everything seems to be $15. So I guess if you get this store card, you're gonna get some deals. Trying to look for some expensive items. Maybe a watch is expensive. Ah, here we go. Add to bag. Now, I'm just going to
pick a few more items, two more items. Why not? Let's get this shirt. Grab that shirt and add that to the bag. You're gonna view the bag. Okay, so we're gonna go to checkout and this is how I've done it before. I would checkout as guest,
checkout fast and secure. This is how I would do it before, checkout as guest, continue as guest. I didn't get the shopping
card trick to work for me and in my other videos where
I briefly talked about it, people told me that they weren't able to get it to work for them either and this is case in point what I would always say in the comments and that is, I can't get it
always to work for me either. Even though that I follow best practices, it doesn't work for me all the time. So there is basically
one thing you can do. If there's a particular card you want, wait a month or two and try it again. Sometimes there's no rhyme or reason why some people get a
popup and others don't. All you can do is to follow
the tips in this video. They will help strengthen your
chances of getting popups. If you are successful, let us
know in the comment sections. This could actually help
other viewers find cards that they can potentially
get approved for too. So this is the thing, even though I've had over 20
pop up approvals in my past, pre-approvals, it doesn't
always work even for me and I can't always isolate why that was. There just doesn't seem to be a 100% guide in getting this done. So I haven't been able to
get the shopping card trick to work for me. So if you actually want
to see a popup happen, I have linked a video below
that will show you that and give you some additional information. So check out that video
after you watched this one. So how much money should you
put in your shopping card? I typically like to put about $250 before I proceed to check out. So if you go through the process and get approved for a store card, using the shopping card trick method, you do not need to buy everything you have in your shopping card and you can just exit out. You've already got the credit card and you can just wait
for your card to arrive and then buy something at a later time. So I'm gonna share with you now, how it used to be with
the shopping card trick and how it is not this way anymore. Back in the day, people
would continually apply and apply for different
store credit card offers and they would get approved
for all of these cards. I think I've read somewhere
that one person got 17 offers in one day. Now they don't allow that anymore. So this is very important for you to know, when you do this, you want to
slowly add store card offers. So if you're applying and you only get approved
for three store card offers, I wouldn't worry about it. But now if people are
able to get approved, for say 10 cards, seven cards, Comenity bank will now either
shut down all the accounts or some of the accounts. So you want to not overdo it. If you're going to apply, say if you get approved for three cards and you want more, wait
months later to try again. So this is another point I want to make. Don't just apply for credit lines because you can get them. Only get a store card to a place that you're actually going to shop at. It's just practical, plus
you want to be sensible if you are trying to, especially if you're trying
to rebuild your credit. If you're opening so many accounts up and then you lose control and
you start spending too much, that is going to not only
cause a lot of stress in your life, but in time,
your credit will lower if you start to miss payments. So only apply for what you need and trust me later down the line, you'll be able to get major credit cards if you use one or two commodity store card offers responsibly. So this may be something
you haven't thought about and that is credit line increases. People have said that when they request credit line
increases with Comenity bank, they do not receive hard credit inquiries like other credit card companies might do. I requested a credit line increase with the Sportsman's Guide Visa card and I did not see a hard credit
inquiry on my credit report. The takeaway here is you're most likely not to see a hard credit inquiry when you're requesting
a credit line increase. All right, so last week I did a video, all my credit cards, part one and two, if you haven't seen it, check it out. I talk about all my credit cards, all 15 and one of my cars that I talked about was the Sportsman's Guide Visa card, which I was able to get using
the shopping card trick. However, I had said last week that you can no longer get the
Sportsman's Guide Visa card using the shopping card trick. However, I saw a video recently saying that that just isn't so. So, this video was done by Credit Plug. He did three videos talking about the Sportsman's Guide Visa card. I linked one of them in
the description below. Check it out if you're interested in applying for the
Sportsman guide visa card because it seems like it's
still possible to get it. So thank you so much for
watching this video today. I hope I clarified a lot of things about the shopping card trick to help you get approved for this offer. Don't forget, if you've liked this video, please like it and subscribe
if you want to see more. I talk about all sorts of credit cards and how to increase your credit score. So if that's important to
you, make sure you do that and I'll see you next time.
