![]() ![]() With a few steps, you can apply for a retail store credit card and avoid getting a hard credit pull on your credit report. It’s known as the “shopping cart trick,” or sometimes the “soft pull trick.” Avoiding a Hard Credit Inquiry ![]() There’s a simple strategy that, in many instances, can help you do both. But two of the biggest concerns are how to qualify for new credit accounts and how to fix your existing credit. Having bad credit comes with more than a few downsides. Knowing that you’re more likely to get approved will help you avoid using an unnecessary hard inquiry. However, you can still use this trick to see if you’re pre-approved. So, use this method at your own risk.Ĭomenity Bank, Synchrony Bank, and Wells Fargo store credit cards all require a hard credit inquiry now to get approved. Update: The shopping cart trick isn’t working to avoid a hard inquiry for everyone. ![]()
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