topic Re: SAKS 5th Ave Mastercard World Elite approved NO HARD PULL in Credit Card Approvals

SAKS 5th Ave Mastercard World Elite approved NO HARD PULL

PittGuy1979 — Fri, 07 Nov 2025 22:20:42 GMT

I was trying to get prequalified online, but I kept getting an error stating that my information could not be verified.

On 11/1 (Saturday) I decided to go to a Saks OFF 5th store close to me. The store manager scanned my DL, and I was pre-approved for $2,900. She asked me if I wanted to continue, and of course I said yes. And was subsequently approved.

I didn't get any alerts from the credit bureau that my credit was checked. Today, 11/7 (Friday), still "NO HARD PULL" has been reported or added to my credit report with EQ, EX, or TU.

I have the Bread Rewards AMEX $6,350 and the AAA Daily Advantage Visa $4,400 with Comenity. I'm not sure if it's because of my established relation with Comenity or because I applied at the store; either way, I'm happy that I don't have another HP added to my credit report. I have way too many inquiries already.

I have a chapter 7, so I'm ok with the initial credit line.

Yesterday, I found out that Saks OFF 5th is closing some of their stores including the one close to me, in January 2026. I'm happy I was able to get this card before they are gone.

Re: SAKS 5th Ave Mastercard World Elite approved NO HARD PULL

Tdatb64 — Fri, 07 Nov 2025 22:12:24 GMT

Congrats on the new card!

I don't know where you get your news but you might wanna start looking elsewhere. Saks is closing 9 stores out of about 100: hardly the "majoriy of their stores".

Re: SAKS 5th Ave Mastercard World Elite approved NO HARD PULL

PittGuy1979 — Fri, 07 Nov 2025 22:21:56 GMT

Re: SAKS 5th Ave Mastercard World Elite approved NO HARD PULL

Jeffster1 — Fri, 07 Nov 2025 23:08:30 GMT

@PittGuy1979 wrote:
I was trying to get prequalified online, but I kept getting an error stating that my information could not be verified.
On 11/1 (Saturday) I decided to go to a Saks OFF 5th store close to me. The store manager scanned my DL, and I was pre-approved for $2,900. She asked me if I wanted to continue, and of course I said yes. And was subsequently approved.
I didn't get any alerts from the credit bureau that my credit was checked. Today, 11/7 (Friday), still "NO HARD PULL" has been reported or added to my credit report with EQ, EX, or TU.
I have the Bread Rewards AMEX $6,350 and the AAA Daily Advantage Visa $4,400 with Comenity. I'm not sure if it's because of my established relation with Comenity or because I applied at the store; either way, I'm happy that I don't have another HP added to my credit report. I have way too many inquiries already.
I have a chapter 7, so I'm ok with the initial credit line.
Yesterday, I found out that Saks OFF 5th is closing some of their stores including the one close to me, in January 2026. I'm happy I was able to get this card before they are gone.

Comgrats.

This has been the case since the Saks card went to Comenity.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SAKS-WEMC-Approval-8-3K-NO-HP/m-p/6791365

I applied in October 2024, soon after Comenity took over. Approved for 8.3K and no HP ever showed up. No HP on CLIs either.

Re: SAKS 5th Ave Mastercard World Elite approved NO HARD PULL

PittGuy1979 — Sat, 08 Nov 2025 20:22:45 GMT

Thanks!

I decided to apply at the store after I read your post. I even tried to respond to your original post, but for some weird reason, the reply option was not available.

Re: SAKS 5th Ave Mastercard World Elite approved NO HARD PULL

Copenix — Mon, 10 Nov 2025 14:49:14 GMT

Very nice. Congrats on your approval and new card.

Re: SAKS 5th Ave Mastercard World Elite approved NO HARD PULL

cashorcharge — Wed, 19 Nov 2025 17:17:34 GMT

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂