Reply
New Contributor
creditdreamera
Posts: 65
Registered: ‎09-22-2012
0

Sams Club: Approved instantly, but now denied?

Well this isn't how I wanted to start my monday :smileymad: I got an e-mail from Sam's Credit Card services saying that my application has been denied, not becausse of credit scores, or too many inquiries, but because "Prior application submitted too recently" They must be talking about my Sam's Club membership?? Because I signed up for it and apped for the CC soon after.

 

This is too odd.... and the dang card already posted on my EX report. :smileymad:

EX -682
EQ -658
TU -663
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Sams Club: Approved instantly, but now denied?

You need to call in, you should still get the card.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
creditdreamera
Posts: 65
Registered: ‎09-22-2012
0

Re: Sams Club: Approved instantly, but now denied?

I definitely will be calling them.

EX -682
EQ -658
TU -663
Frequent Contributor
bostonte
Posts: 263
Registered: ‎10-04-2009
0

Re: Sams Club: Approved instantly, but now denied?

If you can't get in touch with someone that can help, go to the club. The service desk can call right in to underwriting and you can speak with someone who can fix it.

 

I had issues when I applied because the employee screwed the application up, but they were able to call in and hand me the phone and everything was sorted out. Then they asked me to pass the phone back, had the employee refresh her screen, and it was showing how it was supposed to and now approved.

Frequent Contributor
TheConductor
Posts: 492
Registered: ‎07-24-2012
0

Re: Sams Club: Approved instantly, but now denied?

Yeah this has all the earmarks of a clerical error.  Someone pushes the wrong button or a database procedure is poorly written, and suddenly you have duplicate application records.

 

Call them and calmly explain your situation, and I am sure they will sort you out.

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 670 (myFICO 9/8/14), EX 694 (Prosper 7/17/14) , TU 693 (WalMart 9/2/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Walmart (Store) $2.5k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo
My Business: Chase Ink VS $5k
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Sams Club: Approved instantly, but now denied?

+1  Contact them, get it cleared up.  I bet you get the card.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: Sams Club: Approved instantly, but now denied?

 

+1

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Sams Club: Approved instantly, but now denied?

The Customer Service person might have hit submit twice... OooOoo hope you didn't get two hps!! You better make sure!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Sams Club: Approved instantly, but now denied?

Keep us updated but def call them


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}