I want to share with you guys today the shopping cart trick. It’s something that has been around for a long time! There are many that know about it and many that don’t. I would be doing you a dis-service if I didn’t share it.
*This does not mean go out and get 50 cards…please be smart about it. If you won’t actually use the card don’t apply for it just to add another trade-line ( Just another name for account on your credit report, not the illegal ones. We don’t partake in that.) to your report. It may get closed and a new account with a closed card looks very bad! Please make sure your pop-up blockers are disabled for this process.
You must be opted in for credit card and insurance pre-approvals. If you don’t know whether you are or not…your credit reports tell you at the very bottom on most of them. Another great reason to view your credit report. If you are not opted in, you may do so here (you may also opt out here as well).
If you opt-in at the time of reading this post, please wait at least a week before trying the “trick” as it won’t work for you yet. I know the site above says 5 days but trust me, wait a week. For those of you already opted in, go to any of the store sites below and add at least two items into your cart. Some have had luck proceeding as a guest, and others actually sign up for the emails. Your preference is how you proceed.
Once you have added the items to your shopping cart, go to the checkout page. Once there, complete everything EXACTLY as it appears on your credit report.
*If you have 10 addresses, 2 different names, and 12 phone numbers on your credit report, this may or may not work for you. It is best to have only the most up to date personal information on your credit report to show stability.*
Once you have entered your personal information exactly as it is on your credit report, then proceed all the way down to the payment section. When that section comes up then you should see a pop-up that offers you the card for that site and ask for your last four of your social and date of birth, fill that out. That is what you want, as that is what allows you to apply for the card and your score not take a hit as it’s only a soft inquiry (the same as you checking your own credit which does no harm at all). If you get approved, CONGRATULATIONS!!
If it does not work for you, clear your cookies, try another site and see what happens! Let me know how it goes for you in the comments!
Shopping Cart Trick Stores
Saturday Night Live Credit Card