Comenity Bank Store Credit Cards

comenity bank store credit cardsComenity bank store credit cards are currently heavily sought after due to something called the “shopping cart trick“, which allows people to get approved for the store cards without actually doing a hard pull or going through a traditional credit check. This is especially great for people with little or bad credit, and it means that anyone can get a comenity bank card without having a hard pull on their credit score (which will lower it).

Finding a list of store cards offered by comenity bank is hard because they are always being updated, and some stores stop using their cards in due time. Because of this, I have decided to compile a list of which store cards are still active as of July of 2017.

Comenity Bank Store Credit Cards List

The following links will point to stores that are currently offering a card through comenity bank. These can be used with the shopping cart trick to get instantly approved without a hard pull:

Abercrombie & Fitch
Ann Taylor
Bath & Body Works
Brylane Home
Buckle
Coldwater Creek
Express
Gamestop
HSN
J.Crew
Jessica London
JJill
King Size Direct
Loft
Motorola
MyPoints
New York & Company
One Stop Plus
Overstock (Be careful with your social on this one! Only enter last 4!)
PacSun
Romans
Sportsman Guide
Total Rewards
Venus
Victorias Secret
Wayfair

Remember that if an approval popup asks for your full social, don’t do it! Asking for a full social usually results in a hard pull.

Using Comenity Bank Cards to Boost Credit

Chances are, you found this page after learning that getting Comenity Bank store credit cards can boost your credit. If you’re like I was in the past, your credit score is low and you’re looking for ways to increase your score. Luckily for you, getting a few of these cards can really help add some points to your score. Here’s how:

One of the biggest factors in having a good credit score is how many accounts you have open.

It sounds crazy, but the more accounts you have, the higher your credit score will be. Having multiple accounts shows that people trust you with money, and that in turn boosts your score. Now I know you’re asking yourself, “if it was that easy, why can’t I just open a bunch of credit cards and have a great score??” – which leads me to the second reason why having cards through comenity bank can increase your score….

You can obtain store cards issued through comenity bank without a hard pull on your credit.
Opening a new account, whether it be a credit card, a store card, or an auto loan, requires your credit to be pulled in order to get an approval. If you open multiple cards, chances are your credit will be checked multiple times. In the long run, your score will bounce back and be higher than it was before, but in the mean time, you are left with a bunch of hard inquiries on your credit which docks your score a few points each time an inquiry is ran.

Why I love Comenity Bank Store Credit Cards

Comenity cards are special, because you can actually get approved for them without having your credit pulled at all! This method is called the shopping cart trick, and I highly recommend you checking it out by going to the main page on this website and reading my free guide. It’s as good as it gets – you can obtain as many cards as you want and you never need to have your credit checked. This also means if you have bad credit, you can still get approved without ever having your score checked.

Things to Consider

Remember that Comenity Bank store credit cards are not actual visa or mastercards. They will still help boost your score, but they will not be able to be used at any other store other than the one specified. I highly suggest getting a credit card, either secured or unsecured, through your bank and start using it right away. Certain cards through comenity will only report to one bureau, while most other bank cards report to all three major bureaus: Experian, Transunion, and Equifax.

Closing cards due to inactivity

Also, people tend to ask me if they have to use the card in order to keep it. Although comenity bank can (and sometimes does) close cards due to non-use, they rarely do so. You typically do not have to . I have the Victoria’s Secret card, the Brylane card, the Gamestop, Total Visa, and more in my collection, and I hardly use any of them unless I am making a purchase that will give me a discount if I use the card.

My credit score has still skyrocketed in the meantime, which is great. It’s been over a year since I started this website and my journey into getting a better credit score, and I have still not had a card closed down by comenity bank. So make of it what you will. If you check online, mainly on the MyFico Forums, you will find that some other people have had their cards closed down after a period of inactivity.

Instant Approval Cards

If you’re looking for a card that gives you a higher limit and also guarantees your approval, I suggest the Horizon Gold Card due to the fact that they are super lenient about who they give a card to. I have never seen anyone not be able to get that card. True, it doesn’t give you cash back rewards or travel points, but when you are struggling to build up your credit and get a better score, it really is a great option to keep in mind. I’ve had my Horizon card for quite a while and I still use it a lot.

Hopefully this list of comenity bank store credit cards can help you get approved for some credit. I also suggest reading my full guide on the shopping cart trick here. Best of luck!

70 Responses to “Comenity Bank Store Credit Cards”

  1. MissV says:

    My credit is at 500 but denial keeps coming, why isn’t the cart trick working

    • Sandi says:

      Not sure how the cart trick works but I went in on each site and filed out an application. It does a hard hit on your credit but hey mine was bad already. BUT, the more you get (do them all at one time),your credit starts going back up because of all the lines of credit you have. I’ve gone from 475 to 635 in a year. Just applied for another card to add more credit line. I would actually be higher but I do use my cards lol.

  2. S Haggerty says:

    Beware of the shopping cart trick high!!!!

  3. liz says:

    not one pop up have i rcvd have done it over and over this sucks

    • Teresa says:

      If the pop up doesn’t come up try a different email or different site, I have received 5 cards by doing the shopping cart trick so I know it works. Some stores it takes a few try’s just don’t give up. Boscov’s, Victoria Secret, Overstock, Ulta, these all gave pop up right away, Best of luck to you all 🙂

    • Sassy says:

      Have you tried putting in about $350 of merchandise to your cart first. That was what I saw on a video and I never got it to work tonight I was bored and tried and my VS card will be to me in 10 days it said

    • JOSEPH says:

      wayfarer did the shopping cart trick gave me 2000

  4. Jessica says:

    Question : when using this trick do I have to actually purchase the items? I did this trick and it worked for Victoria Secret, but I never went through the whole purchase. I got the popup, put my ss number in {last 4} and I got the approval. However, I never clicked the last part to purchase and closed my browser. Will they still send the card or do I need to repeat the process and actually purchase something. Thanks ☺

    • Sean068 says:

      You don’t have to purchase anything, but u will still get your card though if u accepted it and filled out the application.

  5. Steph says:

    The only one that has worked for me is Victoria secret. Could it be because I order frequently from the website? I’ve tried the others store but nothing has poped up yet, is it that you can only get approved once a day?

    Stage.com & Ulta approve you with low credit scores. I got approved for both and I’m at a 560 :/

  6. Barbara Aira says:

    Help, please. I have (2) Comenity Bank Store Cards: Pier 1 Imports and Bealls of Florida. I haven’t used them in awhile and notice they are not on the above list. Are their cards no longer good?

  7. Donnalee Fulton says:

    My credit is 563 and I was able to get approve for over 4 cards, including a visa.

  8. Vanessa says:

    Brylane and Overstock are the ONLY ones that worked. I tried the others several times.

  9. Cliff says:

    I have seen 515 score tried the shopping cart trick and got 2 buckle and Victoria Secret. Very proud!! I hope to get more especially express. I am working hard on building my credit!

  10. Cliff says:

    I have a 515 score tried the shopping cart trick and got two, buckle and Victoria Secret. Very proud!! I hope to get more especially express. I am working hard on building my credit!

  11. Jo says:

    JCrew, Coldwater, and Romans instantly, and I have been trying to get anything to pop for MONTHS.

    Just make sure your browser has been cleared. Some say works in incognito mode, but I found it wasn’t necessary.

    While I would love one of the actual mastercards, not sure that will happen.

  12. nikki says:

    i have a low credit score as i have never reallt had credit before. my score is 529 and i got approved for J.Crew , King size, The limited and overstock.

  13. Mrs. Claus says:

    My first credit card was from Cabela’s Visa with a low credit score (+/- 500). Paid it off every month and a year later my credit score is almost 700 and I now have a Discover Card, American Express and a couple of other MasterCards and Visas. I NEVER buy if I can’t pay it off each month. That is the key. Works in just over a year. If you really want to build your credit that is the way to do it. Never spend more than you can pay and you will build your credit fine.

  14. ALI says:

    Got approved for Victoria Secret. Yup trick worked… This is about 3 weeks ago. Went on my credit karma account and now my score dropped down 14 points. The only change on it, was that I got a new card. So, I’m not very sure how this trick “works” without hurting your credit score. Pretty disappointed 😞.

    • Robert Chavez says:

      Score will drop once card hits credit file…but recovers nicely and quickly. No drop from hp…that is a dble wammy

    • Casey says:

      Did you max out your card or even just half of it? They look at your credit card utilization. Under 10% is considered excellent. If you only have the one card it hurts more than it does good to keep it above a certain percentage.

      • Jessica says:

        No I haven’t even used it yet and I keep track of my credit utilization and is below 10% I have more than one major credit card. I got a reply a while back that your score will drop for a bit then go back up. I’m just hoping that won’t take a long time!

  15. Edna Jo says:

    I have most of the Comenity Bank Cards, except Lexus, BJ’s, Moddells, etc. I tried paying more than the minimum monthly payment. I used them mainly on emergencies.

  16. Jennie says:

    Does it deny you if you apply for too many in a row?

  17. Robert Chavez says:

    Got j crew, overstock…crew is 500 but overstock is 4500!…

  18. Robert Chavez says:

    Does overstock report to cb?

  19. jo says:

    Great info now I know how to help my friends!!!

  20. Aaron says:

    The SCT worked for me with Victoria Secret, Wayfair, Gander, and Express. I wish I’d be able to get any of the Visa’s but so far it hasn’t worked with those yet.

  21. Victoria Erivez says:

    I applied I got 2 victoria secret 2 NY company and an Abercrombie. My score 534. Very pleased all done on the shopping cart trick.VERY IMPORTANT do not entire full SS. If it ask your not going to get it.

  22. TT says:

    Just filled Ch. 7 and was discharged on 11/4/16. Tried this a few times and finally got approve for VS. $250 CL. Very happy. Wish there was a way I could get a Visa or MC this way? Does anyone know?

  23. Robert says:

    credit one..first premier…fair to bad credit scores can get these…usually visa’s

  24. shara says:

    Omg it works. Victoria Secret approved me. Wow.

  25. Collin says:

    Hi everyone, new update, update,

    yes I am happy to say that the shopping cart trick did work for me ( they asked for only last four of SSN)

    I ordered just a few items using the trick and it worked. Here’s what I got approved for

    BrylaneHome : $250.00

    King Size Direct: $250.00

    I didn’t care about the amount. I only cared about that they report to all three credit reporting agencies : Experian, Equifax, and Trans Union. I verified this with a representative by the name of Angela who works at the BrylaneHome division.

    Would like to know if anyone has success with the Shopping Cart Trick with any of the visa or MasterCard comenity bank cards.

    Good luck to all of you.

    • Collin says:

      Just wanted to add, that they report on a monthly basis like any other credit card.

    • Keli says:

      I just got the sportsmanship visa, don’t know limit, should be a sp, only asked for last 4 ss, I got overstock yesterday but asked for all ss# so I put 000-00-####. Still got a hp, but approved, for overstock and sportsmanship always put the membership in cart.

  26. Collin says:

    Also I noticed that some of the cards are offered by Comenity Bank and the others by Comenity Capital Bank. Are these the same Bank affiliation?

    • Candace says:

      Comenity bank stores cards are easier to get than Comenity capital bank. I was able to get Comenity bank cards with shopping trick and Comenity capital sent me a preapproval for overstock

  27. Nick S says:

    I was able to get 4 of the cards using the shopping cart trick tonight.
    I received Overstock, J Crew, Boscov and Williams Sonoma. I did this
    on 02/01/2017.

    I tried about 10 others and did not get the popup alert.

  28. Joe says:

    Which of these cards have authorized user.

    • Candace says:

      All of them u can add authorized users once u make your online account. FYI if u ever lose your card they will only send the main account holder a new card u have to request for the authorized user to get a new one

  29. Kim says:

    This worked for me!!
    Victoria secret, express, and king sized

  30. Cindy says:

    I can’t get any pop ups from any sites I’ve been trying on..wonder how everyone else is getting them to pop up… wanted a Victoria Secret card..

  31. jeff says:

    shopping trick worked for me , i received in one day. VS 250 cl, gamestop 250 cl, overstock 350cl. was very happy it worked for me as i am repairing my credit.

  32. tee says:

    Do I have to lift my credit freeze?

  33. yattaman says:

    real deal holly field!!! it works!!! key is doing exactly every step right.

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