topic Re: Well that thought (garden) was short-lived... in Credit Card Approvals

Well that thought (garden) was short-lived...

Anonymous — Sat, 19 Sep 2020 21:47:40 GMT

Fresh on the heels of the PenFed PCR approval this morning, DW and I made an innocent trip to Sam's Club. I needed to renew my membership and get some things.

Long story short, I had a prequal/preapproval at the Services desk and left with the Sams MC and a $4000 limit. The card will be useful to us, but I have a little buyers remorse, since it wasn't a necessary card and I want to safeguard my Lowe's card. Time will tell if it was a mistake or not but I guess in the meantime, yeah, chalk up another one. I'm happy about the approval though - we can definitely put it to use. At this point if Amex told me I could have a fifth revolver I'd tell them No lol. Time to ice the reports and let the newness age. Two cards in one day is plenty.

Re: Well that thought (garden) was short-lived...

AllZero — Sat, 19 Sep 2020 21:30:01 GMT

Congratulations on your approval!

Re: Well that thought (garden) was short-lived...

Credit4Growth — Sun, 20 Sep 2020 22:18:10 GMT

So... I know some of us get confuses.... but trust me... the garden is that' a-way! 🙄

What was innocent about that trip, you were lurking in the business section yesterday and this morning. You had your eye on any kind of approval from Sam's Club

Re: Well that thought (garden) was short-lived...

Credit4Growth — Sat, 19 Sep 2020 21:50:01 GMT

Congrats on your Sam's approval!!

Re: Well that thought (garden) was short-lived...

CreditAggie — Sat, 19 Sep 2020 21:51:09 GMT

Congratulations on your Sam's Club MC approval!

Re: Well that thought (garden) was short-lived...

mrcraft — Sat, 19 Sep 2020 22:02:56 GMT

Congratulations on your approval!!

Re: Well that thought (garden) was short-lived...

M_Smart007 — Sat, 19 Sep 2020 22:05:24 GMT

Congratulations on your Sam's MC Approval.. (at least the two can age together)

Re: Well that thought (garden) was short-lived...

Conceptual23 — Sat, 19 Sep 2020 22:32:41 GMT

Congrats

Re: Well that thought (garden) was short-lived...

cashorcharge — Sun, 20 Sep 2020 01:56:02 GMT

Garden-Shmarden

Enjoy that new card!! Congratulations!

Re: Well that thought (garden) was short-lived...

ocheosa — Sun, 20 Sep 2020 02:50:50 GMT

Congratulations ! Enjoy !!

Re: Well that thought (garden) was short-lived...

sxa001 — Sun, 20 Sep 2020 03:02:12 GMT

Congratulations on the approval. Seems like not a terrible approach to app for what you want on the same day if they are different lenders. Get the two cards so the inquiries fall off a the same time and you reset your age at the same time. It is probably the approach I will do in the future if I have my eye on more than one card at a time and decide to get both.

Re: Well that thought (garden) was short-lived...

gingerflower — Sun, 20 Sep 2020 06:21:10 GMT

@Anonymous Congratulations on your Sam's Club Cc. 👍

Re: Well that thought (garden) was short-lived...

TSlop — Sun, 20 Sep 2020 07:55:24 GMT

Congrats on your approval!

Re: Well that thought (garden) was short-lived...

Anonymous — Sun, 20 Sep 2020 09:03:19 GMT

@sxa001 wrote:
Congratulations on the approval. Seems like not a terrible approach to app for what you want on the same day if they are different lenders. Get the two cards so the inquiries fall off a the same time and you reset your age at the same time. It is probably the approach I will do in the future if I have my eye on more than one card at a time and decide to get both.

Lol I agree completely on that approach, and I'd take some credit for doing it if I had planned to app for either of them, but they just kinda happened 😂 In several months when I'm hopefully smarter and pick a card instead of letting it pick me, I'll revisit the idea of "strategy" and try it on for size

Re: Well that thought (garden) was short-lived...

Anonymous — Sun, 20 Sep 2020 13:26:25 GMT

A note for anyone considering this card:

When I got to the service counter to re-up my membership, she told me I was preapproved for the card, with a limit of $4000 when it arrives in the mail, and a temporary spend limit of $2000 until then. She gave me a printout showing the numbers. After I had accepted it, I reread the printout and the wording actually said "prequalified" rather than "preapproved". I thought that it was interesting that they offered terms of the card before the HP (which did come a few minutes later on TU). I am a Synch cardholder already with my Lowe's card, and having my email address in the system must have spurred a quick SP to see about the possibility of an offer. But nonetheless, I was told the terms of the card with no HP ahead of time, much like GS does with the Apple Card, so you can find out if the HP for the card will be worth it before incurring it.

Re: Well that thought (garden) was short-lived...

gdale6 — Sun, 20 Sep 2020 13:16:17 GMT

LOL, grats on the Sams MC

I think you are fine as long as you dont suddenly run them up.

Re: Well that thought (garden) was short-lived...

Anonymous — Sun, 20 Sep 2020 13:28:20 GMT

@gdale6 wrote:
LOL, grats on the Sams MC

I think you are fine as long as you dont suddenly run them up.

Thanks, that's what I'm hoping. Lowe's has been getting small charges on the order of $50 or less per month, but I'm paying it down a couple hundred per month even with those new charges included. With Sam's, we got $287 worth of things yesterday, which will be paid off before any further purchases are made.

Re: Well that thought (garden) was short-lived...

coreyb80 — Sun, 20 Sep 2020 21:15:27 GMT

Congrats on the approval!

Re: Well that thought (garden) was short-lived...

Irv02 — Sun, 20 Sep 2020 22:07:55 GMT

Congratulations on your approval!!!

Re: Well that thought (garden) was short-lived...

CYBERSAM — Sun, 20 Sep 2020 22:14:32 GMT

Congrats on your approvals 👍👍

Sam's Club CC is awesome, I had it till they close their store near me.