Some people will mention a purported loophole in which the store offers instant credit for those who already have a bank card. This supposedly avoids both a credit check and an inquiry. However, these offers do not exist. They are an urban legend based on conditions 20 or more years ago. Anyone who claims that instant credit is ever guaranteed is stringing you along. Such a person is simply callous and arrogant, trying to get you to ruin your own credit record so they don't have to admit they're totally out of touch.