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How to Get Credit Cards Without Your Social Security Number

credit cards without social

A lot of people ask if there is a way to get credit cards without using your social security number. There's actually two ways.*

*Disclaimer: This is for educational purposes only.

First, Let Us Introduce You to Stephen Liao

You may or may not have heard of Stephen Liao in the credit space. He was able to acquire over 200 credit cards and build over $2 million in credit lines by the time he was 21 years old. You may be wondering how this is possible! Today we’ll show you exactly how he did that. Moreover, we’ll show you the tricks for how to get credit cards without even having to use your social security number.

Why Getting Into Public Record is Important

The first thing to understand for not having to use your social security number is that you’ll need to get into public record. Specifically, the second trick we are going to show you, won’t work without getting into public record. You will learn that when applying for credit and submitting your social security number, sometimes only the last four digits are required, and that’s when it’s a “soft pull”. A soft pull is only accessing your public record, NOT your actual credit. Whether you have good or bad credit doesn’t matter. You can get credit cards without your credit ever being pulled.

What you will learn is that once you are in public record, you’ll wait a few weeks and then you will begin getting pre-approval credit card offers in the mail. Once that happens, you’ll apply for those, and also employ Step #2, or the “shopping cart trick,” which we’ll explain in a bit.

You may know you are already in public record, and if so, you can move straight to Step #2, and you can start using the shopping cart trick right away. If you’re not sure whether you’re in public record or not, you can try Step #2 now. If it works, you’re already in public record; and if it does not work, go back to Step #1.

Step #1 – Opt-IN at

  • Go to
  • Scroll to the very bottom, where it says “Opt-In” and “Opt-Out”. You’ll want to opt-in.
    • This is the opposite of what most people use this for – when they DON’T want to receive a TON of “junk mail” credit card offers. You are opting IN.
  • Continue filling out the form with accurate information
    • When getting into public record, it’s going to pull up things like your name and address from your credit report. Maybe you had a bankruptcy, which would be on your public record as well. Whatever it is, it’s important to use accurate information here, which will be vital to the next few things we’ll be outlining here. Make sure you put in the information that corresponds to your credit report – the same name, address, phone number, etc.

What will happen over the next few weeks is you will start getting credit card offers. Have you ever gotten those, from various credit card companies, that sometimes come in beautiful envelopes? Now that you’ve opted-in to public record, the companies sending those have already done a soft pull on your credit. Thus, you won’t have another inquiry. Once they pull it, most of the time they will not do a hard inquiry because they’ve already done the soft pull. That’s the cool thing about those pre-approvals. A lot of people don’t know this trick, yet it’s a game-changer to getting multiple credit cards with zero inquiries. Because the soft pull was done, typically you’ll be approved based on your public record. They do see your credit score with the soft pull, but the approval is primarily based off your public record.

Step #2 – Which won’t work unless you’ve completed Step #1

This is called the “shopping cart trick”, and it mostly works. Keep in mind, #2 will not work unless you are in public record. You must be sure you are in public record before attempting the second way of getting credit cards without ever using your social security number.

  • On a computer, open up the Google Chrome web browser
  • Click the three vertical dots at the top right, and click “New incognito window” – you’ll know you’re there because a new window that is mostly black will pop up. Be sure your pop-up blocker is turned OFF, and complete the next steps in the incognito window
  • Go to the company that you’re trying to get the card from. Here is a list of Comenity Bank Retail Store credit cards
  • Shop online as normal, filling your shopping cart with at least $100 worth of merchandise
  • Wait a few minutes and then go to check out, but be sure to click “sign in as a guest”
  • While moving through the checkout process, be sure all of the information you enter (name, address, phone number, everything) matches the information you put in your public record. If it doesn’t match, this trick will not work
  • Continue the checkout process until you get to the final page, without buying anything. Wait for a credit card offer to appear in a pop-up window
  • It’s going to ask you for the last four digits of your social security number. It will not ask you for your full social. You’ll know you’re on the right track if it’s only asking you for the last four
  • When you see something like, “Do you accept a pre-approval offer for this credit card?”, click YES
  • You should see another pop-up window saying, “Congratulations, your card is on its way,” or “Congratulations, you have been pre-approved for this credit card.”

And that’s it! What just happened is you got a credit card without ever using your social security number! Since you only put the last four in, you won’t even get a hard inquiry on your credit report.

A few examples of places you can try this are Victoria’s Secret, Overstock and Sportsman’s Guide. Any that are from Comenity Bank are good ones to try. With some simple research, you’ll find the shopping cart trick will work with a lot of banks because they go off the public record. They’re not going off your full social security number.

Now Do You Understand How Stephen Did It?!

The pre-approvals and the shopping cart trick work tremendously. This is the way Stephen was able to get over 200 credit cards in two years or less. Think about it. If he were using his full social security number, how would he get that many cards? Once he reached 10 to 12 inquiries, it would start flagging his account. If anyone applies for too many things too quick, their account will get flagged.. even Stephen. In a year and a half, from 19 to 21 years old, literally under two years, do you think the guy got over 200 credit cards using his social security number? No. He’d have 200 inquiries. The reason he was able to do it was because he used his public record, not his social.

*This is For Educational Purposes Only

Like Stephen, could you do this multiple times and acquire many, many credit cards? Absolutely. But the real purpose of why we’re giving you this information is for building, or re-building, your credit in a responsible way.

DO NOT do this for the purposes of getting a bunch of credit cards and not paying them back just because they’re not attached to your social security number. If you don’t plan on going to Victoria’s Secret and getting panties and bras for your loved one, or getting your husband a bunch of stuff from Overstock, don’t rack up a bunch of credit card debt and just not pay it back. Think about getting cards you actually need and that can benefit you. Most importantly, make sure you’re taking care of your obligations and your credit cards, and make the appropriate payments!

If you want more help and education, and you want to get up to 75% off tradelines, then pick up the phone and call. We’re here for you.

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