topic Re: BJs world MasterCard in Credit Card Approvals

BJs world MasterCard

Anonymous — Sat, 11 Mar 2017 02:16:32 GMT

Been trying to to garden since 10/16. Membership was due and the offer came up.

Approved 12.5k. 5% on Bjs spend 2% on dining 1% everything else 10cents on f fuel. 25$ off membership. Works for me.

Data points. Pulled eq @ 695. EQ immediately dropped to 690 from Iq.

Ex @716 unaffected.

Tu @724 unaffected

eq is the one that seems to change any time I fart. Ex and TU seem to be very stable.

I shop here often on the space coast. I have to go to Orlando to go to Costco about 1 hour. Not good.

I have 2 Sams clubs and a sams card that I love ❤️.

Good day. Next app. 2018.

And and I called. He said I won't know the apr until I get the card.

Thanks for listening.

Re: BJs world MasterCard

pipeguy — Sat, 11 Mar 2017 02:29:24 GMT

Congrats, - its a good card for gas especially at BJ's and their Tire Center is very good if they carry the brands you like (Sams is good on these two points too). APR will be high, probably 25.49% so you must PIF, its Comenity - APR's are typically high. Sams = Sync, Costco = Citi, but all of these are higher APR's at least in my experience (Costco/Citi is the lowest, but I'd still PIF on that one too).

Re: BJs world MasterCard

Anonymous — Sat, 11 Mar 2017 02:37:25 GMT

@pipeguy wrote:
Congrats, - its a good card for gas especially at BJ's and their Tire Center is very good if they carry the brands you like (Sams is good on these two points too). APR will be high, probably 25.49% so you must PIF, its Comenity - APR's are typically high. Sams = Sync, Costco = Citi, but all of these are higher APR's at least in my experience (Costco/Citi is the lowest, but I'd still PIF on that one too).

I generally do. Thanks pipeguy!

Re: BJs world MasterCard

Anonymous — Sat, 11 Mar 2017 02:57:40 GMT

@pipeguy wrote:
Congrats, - its a good card for gas especially at BJ's and their Tire Center is very good if they carry the brands you like (Sams is good on these two points too). APR will be high, probably 25.49% so you must PIF, its Comenity - APR's are typically high. Sams = Sync, Costco = Citi, but all of these are higher APR's at least in my experience (Costco/Citi is the lowest, but I'd still PIF on that one too).

I just checked, my BJs Mastercard is 15.49%, which is really not that bad (but I PIF anyway).

Re: BJs world MasterCard

Anonymous — Sat, 11 Mar 2017 03:02:44 GMT

If it's under 20% I'll be cool with it. I don't carry a balance often.

Re: BJs world MasterCard

pipeguy — Sat, 11 Mar 2017 05:45:19 GMT

@Anonymous wrote:
@pipeguy wrote:
Congrats, - its a good card for gas especially at BJ's and their Tire Center is very good if they carry the brands you like (Sams is good on these two points too). APR will be high, probably 25.49% so you must PIF, its Comenity - APR's are typically high. Sams = Sync, Costco = Citi, but all of these are higher APR's at least in my experience (Costco/Citi is the lowest, but I'd still PIF on that one too).
I just checked, my BJs Mastercard is 15.49%, which is really not that bad (but I PIF anyway).

That's a great rate from Comenity, our BJ's MC is in the wife's name (I'm an AU) because I won't do business with Comenity, but there is a discount on renewals using the credit card so we have a card. Wife's scores are 788 to 809 with TU being the highest, mine are 767 to 803 with TU being the highest and our rate is 25.49% - go figure. Doesn't matter we always PIF on Sams, BJ's and Costco cards - I save paying over time for 0% promotions like Amazon store card and Blispay. .

Re: BJs world MasterCard

AverageJoesCredit — Sat, 11 Mar 2017 17:14:10 GMT

Congrats on a great sl MB.

Re: BJs world MasterCard

K-in-Boston — Sat, 11 Mar 2017 18:20:50 GMT

Congrats! I was happy to get mine ($17k SL!) but a bit disappointed with the APR. It's either 25.49% or 15.49%, period. The $25 off the membership is great, but I do have a few minor complaints. My 2% rewards membership which became 5% with this card no longer gets rewards unless I use this card. I was enjoying the brief effectively 7% (Chase Freedom) or 12% (doubled Discover it) during category months before I got this. Also, there is no grace period on new purchases when taking advantage of the really nice 0% (1% fee) BTs, so I really have to think twice about using it instead of other cards.

Re: BJs world MasterCard

MissMoni223 — Tue, 14 Mar 2017 15:17:43 GMT

CONGRATS & WELCOME to the BJ's MasterCard family!!!