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 November of 2016.

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
Coldwater Creek
Jessica London
King Size Direct
New York & Company
One Stop Plus
OverstockΒ (Be careful with your social on this one! Only enter last 4!)
Sportsman Guide
Total Rewards
Victorias Secret

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.

Why you should get one of these cards

The reasons are endless. Do you have bad credit? Chances are you can get one of these cards. Do you want to increase the amount of available credit you have? Getting a comenity bank store credit card will increase your overall credit line and cause anΒ improvement of your score.

Things to consider

Remember that these 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.

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 use a card in order to keep the available credit.

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 regardless it’s still a card you might want to look into.

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!

59 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 πŸ™‚

    • 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

  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 ☺

  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? & 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.

  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.

  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..

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