topic Re: Sam's Club MC Calling Me in Credit Card Applications

Sam's Club MC Calling Me

Anonymous — Tue, 03 Nov 2015 18:07:13 GMT

Sooo I was in SC yesterday and the card grabbed my attention. I have seen many have success here, so was wondering if anybody has any advice.. My TU is 650 7% Util 1 derog about 3 yrs old AAOA 1 yr Oldest 7 yrs.. Thanks in advance!!

Re: Sam's Club MC Calling Me

baller4life — Tue, 03 Nov 2015 19:15:28 GMT

To be quite honest you should wait till your TU is above 700, better yet 730 to apply for the MC. More than likely they would give you the store version with a 650. I've even seen a 728 receive the store version. I waited till I was well above that range and was approved with a 764. Although I wanted the MC badly, I waited 2 yrs to insure I received the MC and not the store card.

Re: Sam's Club MC Calling Me

Anonymous — Tue, 03 Nov 2015 18:49:17 GMT

At a TU of 650 I can say with almost certainty that they will give you the Sam's PLCC instead of the MC. While there have been a few forum members that I've seen in the 680's or 690's that have managed to get the MC I wouldn't even think of apping for it until over 700.

Re: Sam's Club MC Calling Me

Anonymous — Tue, 03 Nov 2015 18:59:41 GMT

Re: Sam's Club MC Calling Me

Anonymous — Tue, 03 Nov 2015 19:12:32 GMT

Yes I say wait until your TU is about 740 to get the MC. I was just approved with a 769 TU. Keep working to get your score up! In the credit game anything is possible.

Re: Sam's Club MC Calling Me

Anonymous — Tue, 03 Nov 2015 19:14:13 GMT

Appreciate it! It will be waiting for me in 2016!

Re: Sam's Club MC Calling Me

UncleB — Tue, 03 Nov 2015 19:45:31 GMT

As the others have said, you might be better off waiting a bit.

Just as a data point, I will add that I got my Sam's Club MasterCard with a TU in the low 700s (I think around 720... I can't remember the exact number) but I was only given a credit line of $1500. I have a feeling if my score had been closer to 750 I would have done quite a bit better.

Re: Sam's Club MC Calling Me

Anonymous — Tue, 03 Nov 2015 21:16:37 GMT

Uncle B I got 10k at 769 TU, I damn near fainted at the service desk as I apped in-store. When the cashier told me my limited I wanted to cry because that was my highest CL and I was not expecting that much. Dont know where I'd be without Myfico...lol I am know teaching my kids the importance of your credit score because you need a good credit scores to accomplish your goals.

Re: Sam's Club MC Calling Me

Anonymous — Tue, 03 Nov 2015 21:54:45 GMT

WOW!! Very nice SL andy!!

Re: Sam's Club MC Calling Me

UncleB — Tue, 03 Nov 2015 22:00:03 GMT

@Anonymous wrote:
Uncle B I got 10k at 769 TU, I damn near fainted at the service desk as I apped in-store. When the cashier told me my limited I wanted to cry because that was my highest CL and I was not expecting that much. Dont know where I'd be without Myfico...lol I am know teaching my kids the importance of your credit score because you need a good credit scores to accomplish your goals.

That's an awesome credit line!

I'm hoping in another month or two they might be a bit more generous with mine. It would seem your 769 TU is serving you well!

Again, congrats!