Lowe’s Shopping Cart Trick

Lowe’s offers a variety of credit card perks, such as an initial $500 line of credit, 5% discount on purchases, and special financing offers with 0% APR or fixed payment offers at a reduced 7.99% APR. ..

Lowe’s Advantage Card is one of the more difficult cards to qualify for because the company prefers customers with good credit scores or at the very least fair. To gain access to Lowe’s coveted credit pool, someone with low credit can use the ‘Shopping Cart Trick’. This involves filling up their shopping cart with large items and then paying for them all with a single debit or credit card. This way, the customer has already built up a good amount of debt and will be more likely to be approved for a Lowe’s Advantage Card. ..

Shopping Cart Trick? What is That? 

The main benefit of using the shopping cart trick when applying for a credit card is that it avoids hard pull credit inquiries. This is a technique that shoppers use for pre-approved credit card offers while checking out on a store’s website. Although this has been considered an unconventional method of applying for a credit card, the truth is the benefits far outweigh the negatives. ..

How does it work? 

Lowe’s offers a shopping cart trick that pre-qualifies you for their credit card without the associated hard pull inquiry on your credit report. This is an amazing alternative if you have low credit and want to take advantage of amazing deals and offers.

The main rule of thumb when answering questions about your social security number is to use the last four digits of your social security number, not just the first four. This will help ensure that you receive a full inspection of your credit report, and that no hard pulls are made on your account.

How To Use The Shopping Cart Trick?

The ‘shopping cart technique’ is a simple way to get credit. You need to opt-in for pre-approved credit offers at “OptOutPreScreen.com”, clear your browser history and cookies, and turn off ad blockers.

The ‘shopping cart trick’ is a great way to keep track of what you’ve bought and to avoid buying things you don’t need. ..

Start shopping from your MyLowe’s account, if you don’t already have an account go right ahead and sign up. Add items to cart, typically this should work with one item in your cart but to play safe keep shopping till your cart is at about $100 (don’t worry we won’t be needing this for long). Proceed to your shopping cart and begin the checkout process by entering your credit card details and your address. DO NOT hit the complete order button, a pop up notifying you of pre-qualification for Lowe’s credit card should appear on your screen. If it doesn’t, no worries. Go stock up your shopping cart some more, sometimes it takes more than one try. Repeat the checkout process by entering the required details, again DO NOT complete the order. If you still don’t get the offer pop on screen, try an incognito browser. This should work immediately, soon as you get the pop up, click and fill in the required details. Be sure to keep your eyes peeled and only accept the offer if it does not require your full social security number. Otherwise exit the application and repeat the process. Once you’ve made sure, enter only the last four digits of your social security number and proceed to complete the application. In a couple minutes your pre-qualification application will be approved and you’ll be redirected to the checkout page with your shopping cart intact. Cancel the purchase  (remember I told you we wouldn’t be needing this for long). Await your new and approved Lowe’s Advantage Card in the mail. On the other hand if this doesn’t work, wait a couple weeks to try again or go on to ’Synchrony Bank’s Consumer Credit Website’ and search for Lowe’s

To Summarize 

The shopping cart trick is a clever way to improve your credit score. By using a shopping cart as your main form of transportation, you can avoid hard pulls on your credit score, which can lower your credit score by up to 5 points.

If you want to get all the benefits of the Lowe’s Advantage Card, but have low credit or are just trying to avoid harming your credit score, this is the best way to do it. ..