The Info-mus "Shopping Cart Trick". This is really not a trick,  this has been  set-up this way!


You can obtain some Comenity Bank cards without a hard pull on your credit report, which significantly

increases your chances of approval.

  Often known as the shopping cart

trick, a credit card offer from

Comenity Bank may pop up with an

incentive to apply as you’re online

shopping with a retailer partnered

with the bank.

The trick to getting the offer is to

not opt out of promotional credit

card offers and ensure that your

pop-up blocker is turned off.

If the offer requires you to input

your full Social Security number,

it will likely result in a hard pull on your credit report. If it asks for just the last 4 digits, it is less likely to result in a hard pull.

Online Shopping

Comenity Bank store credit cards                         











Who Is Comenity Bank?

Comenity Bank is a major credit card company that focuses heavily on store-branded credit cards. In fact, they currently have partnerships with over 125 credit programs for many top U.S. retail stores.

Does Comenity Bank report to credit bureaus?

Yes, the bank reports to the three main credit bureaus: Equifax, Experian, and TransUnion. Reporting is usually done once every 30 days, the exact date corresponding to a specific point in your billing cycle.

Is it easy to get approved for a Comenity Bank credit card?

In general, it’s fairly easy to get approved for a Comenity Bank-backed card. Keep in mind each retailer may be slightly different, but many cardholders have reported approval with a credit score in the fair range.

Comenity Bank Medical Credit Cards

Comenity Bank Education Credit Cards

Comenity Bank Hotel Credit Cards

Comenity Bank Auto Credit Cards

Comenity Bank Miscellaneous Credit Cards

Hot Tip: It is very easy to get these cards but remember it is just as easy for them to ruin your credit! So remember: keep your credit limit usage below 30%, pay your bill before it's due and do not apply for an too many  department store cards!