cancel
Showing results for 
Search instead for 
Did you mean: 

Sally Mae Mc

New Contributor

Sally Mae Mc

Exactly how hard is it to get this card? And what do they usually pull? Also, can any one recommend any other credit cards that have a 3-5% grocery store bonus that works at Walmart?
Message 1 of 16
15 REPLIES
Frequent Contributor

Re: Sally Mae Mc

It's backed by Barclays and they normally use TU.

I'll let others who have been approved chime in on difficulties. You might also want to do a search because I think this has been discussed.

Starting Score: 620 FAKO
Current Score: FICO TU 715 (wal-mart) FICO EQ 692
Goal Score: 700


Take the FICO Fitness Challenge
Message 2 of 16
Established Contributor

Re: Sally Mae Mc

Its a Barclaycard product so they pull TU. 

 

I was just approved for this card and was given a $5000 credit limit. I'm not sure what their standards are for this card but I'm guessing they are pretty stringent because of the high rewards this card offers, and because its a world mastercard, it requires a $5000+ credit limit. I'm not sure if they give a platinum version or not. 

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 3 of 16
Super Contributor

Re: Sally Mae Mc


Haroon wrote:
Exactly how hard is it to get this card? And what do they usually pull? Also, can any one recommend any other credit cards that have a 3-5% grocery store bonus that works at Walmart?

walmart's MCC code is labelled as a discount store rather than as a grocery store from what I know, so most cards will not give 3-5% at walmart. I might be wrong though.

 

Like others said, it is issued by Barclays.

If you could tell us more about your CR, we can somewhat try to help estimate your odds.

This card is about as hard as any other unsecured card from prime lenders, I would say.  If they decide to give you a CL that is below 5k, you will get the platinum MC as opposed to world MC, and some benefits will be different.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 4 of 16
Regular Contributor

Re: Sally Mae Mc

I get 5% off at walmart with this card! But then again mine was a Sallie Mae conversion

Message 5 of 16
Frequent Contributor

Re: Sally Mae Mc


cableguy123 wrote:

I get 5% off at walmart with this card! But then again mine was a Sallie Mae conversion


Really? That seems odd. I thought MC/Visa always classified Walmart differently. . . I know Amex gives the grocery bonus at a Meijer, so if you have them in your area they are basically a differently named Walmart (better, IMO). Not sure what they classify Walmart but apparently they frown upon that or something anyway.



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Message 6 of 16
Super Contributor

Re: Sally Mae Mc

It appears to vary by Walmart (superstore or neighborhood store etc).  Looking at

 

http://visa.via.infonow.net/locator/usa/supplier/NewSearch.do

 

searching for Walmart's near me, many are classified as

 

DISCOUNT STORES/WAREHOUSE/WHOLESALE 5310

 

but some appear as:

 

GROCERY STORES/SUPERMARKETS/BAKERIES 5411

 

and these would get the discount

Message 7 of 16
Highlighted
Valued Contributor

Re: Sally Mae Mc

Yes, they pull TU when you app. But when I reconned for a higher limit after being approved, they SP'd Experian for that.

 

You do need decent credit to get this card, and Barclays is notoriously leery of customers who have either opened several new accounts before applying or who open new accounts after being approved.

 

If you are not approved for the World MC version, they may give you a Signature version with a lower credit limit.

 

Regarding Walmart, superstores are coded as grocery stores; smaller Walmarts aren't.

 

It's a great card and I love their online interface. Reward points are given immediately, as soon as a transaction posts, which is also a nice feature.

 

Message 8 of 16
Regular Contributor

Re: Sally Mae Mc


b_seeker wrote:

cableguy123 wrote:

I get 5% off at walmart with this card! But then again mine was a Sallie Mae conversion


Really? That seems odd. I thought MC/Visa always classified Walmart differently. . . I know Amex gives the grocery bonus at a Meijer, so if you have them in your area they are basically a differently named Walmart (better, IMO). Not sure what they classify Walmart but apparently they frown upon that or something anyway.


Around here, all the WalMarts are coded 5411, the grocery. That goes to Target as well (tried and got 5%). I use the Sally to get Walmart gift card then hit Sam's club to get the 5% all the time. While ago (2 yrs or more...I think), I heard that Super WalMarts did not get the grocery coding but local neighborhood WalMarts did...so as another member said, may be dependent on where one lives still. The WalMart I use frequently is Super though.

AMEX Cash Rebate (this isn't Costco, older version of Blue Cash), AMEX Blue Cash, AMEX BCP, AMEX SPG (personal), Barclay Sallie Mae Plat MC, BBVA Compass NBA AMEX (No AF), Capital One QuickSilver VISA Sig, Capital One QuickSilver World MC, 2x Chase Freedom VISA Sig, Chase Ink Bold World Elite MC, Citi Dividend AMEX/World MC, Citi Double Cash, Citi Hilton VISA Sig, Discover More, Discover It, Fidelity AMEX, Huntington Voice World MC, MyPoints Rewards VISA, 2x US Bank Cash+ VISA Sig
Message 9 of 16
New Contributor

Re: Sally Mae Mc

It's my understanding that mc uses different merchant codes and counts all walmarts as grocery stores. So this card works but bce and most others would not.
Message 10 of 16