While Comenity Bank’s cards don’t typically offer large sign-up bonuses, they tailor their rewards programs and bonuses specifically for the customers of their retail partners. If it asks for just the last 4 digits, it is less likely to result in a hard pull.Ĭomenity Bank offers lots of different credit cards, mostly stored-branded cards, that may offer easy approvals without a hard pull on your credit report using the shopping cart trick. If the offer requires you to input your full Social Security number, it will likely result in a hard pull on your credit report. 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. 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. You can obtain some Comenity Bank cards without a hard pull on your credit report, which significantly increases your chances of approval. Easy approval can be attractive if you’re working on building or repairing your credit. While Comenity Bank isn’t a household name like some other credit card companies, they have more than 50 million cardholders.Ĭards issued by Comenity Bank are generally easy to get approved for even if your credit score is lower than average. retail stores, focusing heavily on store-branded credit cards. Comenity Bank is a major credit card company that has 92 credit programs for many top U.S.
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