The Shopping Cart Trick

Get a Credit Card with Bad Credit

By: Kaiim Daids

Narrated by: Virtual Voice

Length: 3 hrs and 9 mins

Publisher's summary

Having outstanding credit allows you to apply for all of the best credit cards in today's market. What happens if you have some negative information on your credit profile? Are you just out of luck? There happens to be a Free Way to Build Credit or start re-establishing your credit through something known as the "Shopping Cart Trick" or SCT, also known as the soft pull trick, is a clever method that allows consumers with poor credit to acquire store-specific credit cards during the online purchase checkout process. This method for applying for store credit is a free way to establish credit accounts without incurring annual fees and other credit card charges. In the past, the only option to repair or establish credit was to apply for secured credit cards. With some of these secured credit card offers you had to pay hefty annual and monthly fees to acquire them. Credit card fees are no longer the reality. So, most consumers now qualify for a better option to build credit fast or repair credit by using The "Shopping Cart Trick" or SCT. Never heard of it? I will provide you with the details, how to use it and which retail credit stores offer you the best chance at approval. The Shopping Cart Trick Could Be Your solution. We have compiled popular store-specific credit cards based on unbiased criteria, including features, rewards, and expenses and financing costs in this eBook. Basically, the retail store performs a soft pull on your credit report and sees if you meet their minimum criteria, if you do, they automatically offer you a credit card account without you needing to apply during the purchase checkout process without actually checking your credit score! Therefore, what usually happens is instead of your credit score going down due to a hard pull, it goes up when a new account is reported. When you opt-in, you are in essence registering yourself in the system of the creditor which makes credit approval faster without the hard inquiry. Because they don't do a hard pull on your credit report, they will not be able to see if you have any derogatory items. This makes these some of the easiest store-specific credit cards you can receive. Typically lenders feel more comfortable loaning to people with bad credit that have received credit from other lenders, as this allows the borrower to show that they are capable of making on-time payments and might have turned over a new leaf.