topic Re: Sams Club MC No PG Decline in Business Credit

Sams Club MC No PG Decline

Creditaddict — Tue, 06 Feb 2018 01:31:50 GMT

I have had a Sams Club store Card No PG for like 6-8 months I would guess without logging in. Started at $5k after reconning it with the direct numbers I have because the store usually doesn't understand any of it.

After about 6 months I was able to get it CLI to $7k.

I figured might have enough history to give the MC a shot again... annoying part is you have to go into a store to do it.

submits and then it's like gone off her screen... I'm like, it's fine, I have numbers!

Lady answers and after finding it, she was sorting through my 20 apps under the first phone number I gave her for Sams (oops!)

She found it and said denied... I said can you review.

She puts me on hold and comes back that she can't overturn... consider a PG.

I was like not happening.

Sync is such an odd bird, they consider the store card vs. MC a completely different product so it looks like they don't even consider the history with my current store card!

Re: Sams Club MC No PG Decline

woodyman100 — Thu, 08 Feb 2018 23:13:12 GMT

I had a strange experience when apping for a Sam’s Business today.

After giving all of the info, the screen freezes and says “card already approved”.

this was before she hit submit, or so I was told.

She called the UW and got whatever it was “fixed” and then she submitted.

Came back Approved, but she said something was weird and she couldn’t tell me my limit.

She also gave me the $30 discount as if I signed up for the personal acct.

We will wait and see whether the store card or the MC arrives.

No HP yet. Expect it tomorrow

Re: Sams Club MC No PG Decline

bizcredit11 — Wed, 16 Jan 2019 03:10:51 GMT

Did you or do you have a $10,000 limit reporting on your business credit line? Who did Synchrony end up pulling on you?

As you mentioned the Sam's MC and store card are quite distinct. Many can get the store card. In comparison, a few can get the MC. A No PG card comes before any Pg'ing.

Re: Sams Club MC No PG Decline

Creditaddict — Wed, 16 Jan 2019 03:16:49 GMT

Pretty sure it’s on my Experian business.
As usually sync is a hit and miss disaster to deal with.
I keep going pending for Mc.
Go to verification and they ask me nothing and then I receive letter unable to verify address.
I have business vs mailing (home)
I also have a handful of other sync business accounts same info including the store card.
Nope
Changed my address on sams membership and current card to the other address
Just applied again last week, went verification, called, no questions, went onto final review (my experience that is decline)
Store cards in verification have 100% given instant approval decision after successful verification.
Sync says computer does final decision and prompts them for what needs to be verified and they can’t look past it once decided.
Makes me scream.
Still waiting for letter from last weeks app

Re: Sams Club MC No PG Decline

bizcredit11 — Wed, 16 Jan 2019 03:34:34 GMT

Is your Experian biz reporting an account above 10k?

Is you address matching/linked with with your SOS filing?

Were you sent or given the verification page after applying?

Sounds like an underwriting guideline that needs to be adjusted/modified.

Re: Sams Club MC No PG Decline

Creditaddict — Wed, 16 Jan 2019 04:25:38 GMT

@bizcredit11 wrote:
Is your Experian biz reporting an account above 10k?

Is you address matching/linked with with your SOS filing?

Were you sent or given the verification page after applying?

Sounds like an underwriting guideline that needs to be adjusted/modified.

Yes,

Yes

The thing is if I didn't have a Sams Card already with the same info that I have now modified on the latest app to match the only other way and it looks like same thing.

Re: Sams Club MC No PG Decline

bizcredit11 — Wed, 16 Jan 2019 14:42:52 GMT

Can you clarify your last sentence a bit? I know you have the store card already. Do you have the personal MC too?

Re: Sams Club MC No PG Decline

Creditaddict — Wed, 16 Jan 2019 15:59:25 GMT

No personal sams anymore. I did in past but closed.

Re: Sams Club MC No PG Decline

Creditaddict — Sun, 20 Jan 2019 02:02:16 GMT

Received my denial... now can't verify business phone!

Now I have to wait 30 days and use this address and not my cell phone this time and just MAYBE i can pass the stupid system!

Re: Sams Club MC No PG Decline

bizcredit11 — Sun, 20 Jan 2019 14:34:34 GMT

I use Ring Central for the business. You can also use Grasshopper or FreedomVoice.

I choose Ring Central because of easier use and and easy 411 listing, which is what many companies like Synchrony and Citi are looking for.

Re: Sams Club MC No PG Decline

Creditaddict — Sun, 20 Jan 2019 18:34:30 GMT

We have a business phone system I just use my cell so much that usually they have both numbers... this MC just sure is picky with items