topic Re: Sam's Club store card approval in Credit Card Approvals

Sam's Club store card approval

ds3 — Sun, 09 Dec 2012 01:37:46 GMT

I apped for this card 5 weeks ago and was declined. Got a pre-qualified letter in the mail today, so called them to give it another shot...a few questions later, and a $600 CL to start. Between this and the $600 Wally, I now have a couple of GE cards to grow with.

Re: Sam's Club store card approval

Hightechredneck — Sun, 09 Dec 2012 01:55:29 GMT

Treat them right and they will grow with you

Re: Sam's Club store card approval

gettnthere — Sun, 09 Dec 2012 02:27:34 GMT

Congrats! GE is pretty awesome! Treat them well and they will do the same.

Re: Sam's Club store card approval

kevinjjc — Sun, 09 Dec 2012 02:42:40 GMT

Congrats! Does the GECRB Sam's card give you a free TU08 FICO credit score? If it doesn't, then why not just get the GECRB Walmart card instead since you can also use it at Sam's Club and it comes with a free TU08 FICO credit score?

Re: Sam's Club store card approval

Anonymous — Sun, 09 Dec 2012 03:22:18 GMT

Congrats! I applied for that card a was shot down, then applied for chase sapphire preferred card and got that go figure.

Re: Sam's Club store card approval

Epcot — Sun, 09 Dec 2012 03:35:55 GMT

Congrats on the approval!

Re: Sam's Club store card approval

wallyworld123 — Sun, 09 Dec 2012 06:39:40 GMT

Congrats to you!

Re: Sam's Club store card approval

Tran92 — Sun, 09 Dec 2012 07:38:44 GMT

@kevinjjc wrote:
Congrats! Does the GECRB Sam's card give you a free TU08 FICO credit score? If it doesn't, then why not just get the GECRB Walmart card instead since you can also use it at Sam's Club and it comes with a free TU08 FICO credit score?

He states that he does have the Walmart store card with $600 limit already.

Re: Sam's Club store card approval

kevinjjc — Sun, 09 Dec 2012 14:06:22 GMT

@Tran92 wrote:
@kevinjjc wrote:
Congrats! Does the GECRB Sam's card give you a free TU08 FICO credit score? If it doesn't, then why not just get the GECRB Walmart card instead since you can also use it at Sam's Club and it comes with a free TU08 FICO credit score?
He states that he does have the Walmart store card with $600 limit already.

Oh silly me, I see that now. So why would anyone get a Sam's card if you already have a Walmart card?

Re: Sam's Club store card approval

Repo-ed — Sun, 09 Dec 2012 14:13:26 GMT

They will more than double within the first year, provided you take care of them.

Re: Sam's Club store card approval

ds3 — Sun, 09 Dec 2012 15:59:04 GMT

Oh silly me, I see that now. So why would anyone get a Sam's card if you already have a Walmart card?

To increase my available credit. I have been wanting another GE card since I got the Wally, and Sams was the first to approve me. I don't plan to use either of them all that much, I just wanted a couple of cards that everyone is having growth success with.

Re: Sam's Club store card approval

kevinjjc — Sun, 09 Dec 2012 16:41:31 GMT

@ds3 wrote:

Oh silly me, I see that now. So why would anyone get a Sam's card if you already have a Walmart card?
To increase my available credit. I have been wanting another GE card since I got the Wally, and Sams was the first to approve me. I don't plan to use either of them all that much, I just wanted a couple of cards that everyone is having growth success with.

Oh ok, so I guess it just depends on where you are with credit. I have about 188k in revolving credit limits right now, so I'm focused on quality versus quantity.

Re: Sam's Club store card approval

Rhaeny — Sun, 09 Dec 2012 17:07:20 GMT

@kevinjjc wrote:
@ds3 wrote:

Oh silly me, I see that now. So why would anyone get a Sam's card if you already have a Walmart card?
To increase my available credit. I have been wanting another GE card since I got the Wally, and Sams was the first to approve me. I don't plan to use either of them all that much, I just wanted a couple of cards that everyone is having growth success with.
Oh ok, so I guess it just depends on where you are with credit. I have about 188k in revolving credit limits right now, so I'm focused on quality versus quantity.

Well then you just keep it up there. Congrats to you! Have you found that the more credit you get the easier it is to get more? Just curious if creditors view you differently once you reach a certain level of credit worthiness. I guess though its just like anything else, when you start out it may just be a little tough but once you get rolling it gets easier huh?

Re: Sam's Club store card approval

kevinjjc — Sun, 09 Dec 2012 17:15:44 GMT

@Rhaeny wrote:
@kevinjjc wrote:
@ds3 wrote:

Oh silly me, I see that now. So why would anyone get a Sam's card if you already have a Walmart card?
To increase my available credit. I have been wanting another GE card since I got the Wally, and Sams was the first to approve me. I don't plan to use either of them all that much, I just wanted a couple of cards that everyone is having growth success with.
Oh ok, so I guess it just depends on where you are with credit. I have about 188k in revolving credit limits right now, so I'm focused on quality versus quantity.
Well then you just keep it up there. Congrats to you! Have you found that the more credit you get the easier it is to get more? Just curious if creditors view you differently once you reach a certain level of credit worthiness. I guess though its just like anything else, when you start out it may just be a little tough but once you get rolling it gets easier huh?

Yeah, I pretty much always get instantly approved, but sometimes I have to recon for higher limits.