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    <title>topic Re: BJ's PreApproved in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3856990#M1074865</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@JTC403 wrote:&lt;BR /&gt;&lt;P&gt;Just curoius&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? &amp;nbsp; Did you just join?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How did it come? &amp;nbsp;Email? &amp;nbsp;Register? Popup?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I've never heard of BJ's Mastercard. What does the BJ stand for? When I first read it, well....&lt;img id="womanembarrassed" class="emoticon emoticon-womanembarrassed" src="https://ficoforums.myfico.com/i/smilies/16x16_woman-embarrassed.gif" alt="Woman Embarassed" title="Woman Embarassed" /&gt;&lt;/P&gt;</description>
    <pubDate>Thu, 12 Mar 2015 17:54:17 GMT</pubDate>
    <dc:creator>TimeLBK</dc:creator>
    <dc:date>2015-03-12T17:54:17Z</dc:date>
    <item>
      <title>BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3856780#M1074864</link>
      <description>&lt;P&gt;Just curoius&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? &amp;nbsp; Did you just join?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How did it come? &amp;nbsp;Email? &amp;nbsp;Register? Popup?&lt;/P&gt;</description>
      <pubDate>Thu, 12 Mar 2015 15:58:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3856780#M1074864</guid>
      <dc:creator>MyDataMyChoice</dc:creator>
      <dc:date>2015-03-12T15:58:41Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3856990#M1074865</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@JTC403 wrote:&lt;BR /&gt;&lt;P&gt;Just curoius&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? &amp;nbsp; Did you just join?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How did it come? &amp;nbsp;Email? &amp;nbsp;Register? Popup?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I've never heard of BJ's Mastercard. What does the BJ stand for? When I first read it, well....&lt;img id="womanembarrassed" class="emoticon emoticon-womanembarrassed" src="https://ficoforums.myfico.com/i/smilies/16x16_woman-embarrassed.gif" alt="Woman Embarassed" title="Woman Embarassed" /&gt;&lt;/P&gt;</description>
      <pubDate>Thu, 12 Mar 2015 17:54:17 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3856990#M1074865</guid>
      <dc:creator>TimeLBK</dc:creator>
      <dc:date>2015-03-12T17:54:17Z</dc:date>
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    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3856998#M1074866</link>
      <description>&lt;P&gt;&lt;A href="http://www.bjs.com/webapp/wcs/stores/servlet/CobrandedPerk?catalogId=10201&amp;amp;langId=-1&amp;amp;storeId=10201&amp;amp;krypto=5gM8xRsxqYZ8LEzb7fkkgS7wNRpNAQAvJ6l3YyRuMtMQqmxY9J6XljKWpgTzFmgluN%2FeYZnNmgx%2FeTkPLTG3KA%3D%3D&amp;amp;ddkey=http:CobrandedPerk" target="_blank"&gt;http://www.bjs.com/webapp/wcs/stores/servlet/CobrandedPerk?catalogId=10201&amp;amp;langId=-1&amp;amp;storeId=10201&amp;amp;krypto=5gM8xRsxqYZ8LEzb7fkkgS7wNRpNAQAvJ6l3YyRuMtMQqmxY9J6XljKWpgTzFmgluN%2FeYZnNmgx%2FeTkPLTG3KA%3D%3D&amp;amp;ddkey=http:CobrandedPerk&lt;/A&gt;&lt;/P&gt;</description>
      <pubDate>Thu, 12 Mar 2015 17:56:42 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3856998#M1074866</guid>
      <dc:creator>MyDataMyChoice</dc:creator>
      <dc:date>2015-03-12T17:56:42Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857052#M1074867</link>
      <description>Membership fee $100... No thanks</description>
      <pubDate>Thu, 12 Mar 2015 18:19:08 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857052#M1074867</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-03-12T18:19:08Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857056#M1074868</link>
      <description>$50</description>
      <pubDate>Thu, 12 Mar 2015 18:19:42 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857056#M1074868</guid>
      <dc:creator>MyDataMyChoice</dc:creator>
      <dc:date>2015-03-12T18:19:42Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857115#M1074869</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/792572"&gt;@TimeLBK&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@JTC403 wrote:&lt;BR /&gt;&lt;P&gt;Just curoius&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? &amp;nbsp; Did you just join?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How did it come? &amp;nbsp;Email? &amp;nbsp;Register? Popup?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I've never heard of BJ's Mastercard. What does the BJ stand for? When I first read it, well....&lt;img id="womanembarrassed" class="emoticon emoticon-womanembarrassed" src="https://ficoforums.myfico.com/i/smilies/16x16_woman-embarrassed.gif" alt="Woman Embarassed" title="Woman Embarassed" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;What did you think the BJ meant? &amp;nbsp;Tell me.. I'd like to know&lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;&lt;/P&gt;</description>
      <pubDate>Thu, 12 Mar 2015 18:54:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857115#M1074869</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-03-12T18:54:20Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857131#M1074870</link>
      <description>&lt;P&gt;I would LOVE to get that because of the perks and how much I shop there, but I have not heard of anyone getting.&lt;/P&gt;</description>
      <pubDate>Thu, 12 Mar 2015 19:04:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857131#M1074870</guid>
      <dc:creator>App_Addict</dc:creator>
      <dc:date>2015-03-12T19:04:57Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857133#M1074871</link>
      <description>I mean&lt;BR /&gt;it's now COMENITY&lt;BR /&gt;&lt;BR /&gt;</description>
      <pubDate>Thu, 12 Mar 2015 19:06:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857133#M1074871</guid>
      <dc:creator>MyDataMyChoice</dc:creator>
      <dc:date>2015-03-12T19:06:11Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857695#M1074872</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/792572"&gt;@TimeLBK&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@JTC403 wrote:&lt;BR /&gt;&lt;P&gt;Just curoius&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? &amp;nbsp; Did you just join?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How did it come? &amp;nbsp;Email? &amp;nbsp;Register? Popup?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I've never heard of BJ's Mastercard. What does the BJ stand for? When I first read it, well....&lt;img id="womanembarrassed" class="emoticon emoticon-womanembarrassed" src="https://ficoforums.myfico.com/i/smilies/16x16_woman-embarrassed.gif" alt="Woman Embarassed" title="Woman Embarassed" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;What did you think the BJ meant? &amp;nbsp;Tell me.. I'd like to know&lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;We don't have BJ's in Texas, I think it's mainly in the East Coast from what i've heard of i'm not impressed besides if they were that outstanding they would expanded outside of their region by now much like Costco has. Other than BJ's Brewhouse and BJ and the Bear there aren't any other famous BJ's except for maybe dare I say BJ THOMAS?&lt;/P&gt;</description>
      <pubDate>Thu, 12 Mar 2015 23:03:07 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857695#M1074872</guid>
      <dc:creator>joedtx</dc:creator>
      <dc:date>2015-03-12T23:03:07Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857869#M1074873</link>
      <description>&lt;P&gt;I just applied for a card just now. My CL was not shown..I will get my card in 10 business days. However, the perks are great and I shop there alot.&lt;/P&gt;</description>
      <pubDate>Thu, 12 Mar 2015 23:46:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3857869#M1074873</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-03-12T23:46:12Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3858142#M1074894</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@JTC403 wrote:&lt;BR /&gt;&lt;P&gt;Just curoius&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? &amp;nbsp; Did you just join?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How did it come? &amp;nbsp;Email? &amp;nbsp;Register? Popup?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;i got my from regular mail. I didnt take the offer. I joined proably about 2 months before i got the offer. I wish i took the offer.&lt;/P&gt;</description>
      <pubDate>Fri, 13 Mar 2015 01:06:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3858142#M1074894</guid>
      <dc:creator>bigblue7722</dc:creator>
      <dc:date>2015-03-13T01:06:28Z</dc:date>
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    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3858828#M1075105</link>
      <description>&lt;P&gt;They pulled my credit..So be mindful if you decide to apply&lt;/P&gt;</description>
      <pubDate>Fri, 13 Mar 2015 13:39:02 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3858828#M1075105</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-03-13T13:39:02Z</dc:date>
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      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3858893#M1075123</link>
      <description>&lt;P&gt;to find out your credit limit&amp;nbsp;&lt;/P&gt;&lt;P&gt;go to&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;and register for an online account (you dont need your account number / its a comenity system)&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;A href="https://d.comenity.net/bjs/public/onlineaccess/SignUp.xhtml" target="_blank"&gt;https://d.comenity.net/bjs/public/onlineaccess/SignUp.xhtml&lt;/A&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 13 Mar 2015 14:26:46 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3858893#M1075123</guid>
      <dc:creator>ABC123TLC</dc:creator>
      <dc:date>2015-03-13T14:26:46Z</dc:date>
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      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3858947#M1075142</link>
      <description>&lt;P&gt;wow!! They gave me a 5,000 CL. My highest CC yet.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Citibank $3,400/$4,180 &amp;nbsp; &amp;nbsp; Credit Union $ 560/$1,500 LOC &amp;nbsp; &amp;nbsp; &amp;nbsp;Capital one 0/$2,500 &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp;Macys 0/$1,000 &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; Kohls 0/$500 &amp;nbsp; &amp;nbsp;&lt;/P&gt;&lt;P&gt;TJMaxx 0/$2,000 &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; NY&amp;amp;C $0/500 &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp;BJs 0/$5,000 &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp;Overstock 0/$2,200&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;P&gt;&lt;SPAN&gt;Experian score was &lt;/SPAN&gt;&lt;STRONG&gt;561&lt;/STRONG&gt;&lt;SPAN&gt; as of 1/1/15 &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; &amp;nbsp; On 2/26/15 &lt;/SPAN&gt;&lt;STRONG&gt;EQ:626 &amp;nbsp;TU:645 &amp;nbsp; EX: 628&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 13 Mar 2015 14:59:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3858947#M1075142</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-03-13T14:59:31Z</dc:date>
    </item>
    <item>
      <title>Re: BJ's PreApproved</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3859009#M1075154</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;I just applied for a card just now. My CL was not shown..I will get my card in 10 business days. However, the perks are great and I shop there alot.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;+1 So much better than Sams Club IMHO and more selection than Costco and until recently less expensive membership fee than Costco.&amp;nbsp; Unlike Costco and Sams, I use debit, Visa and MC.&amp;nbsp; They send $ off coupons every month on select items, accept manufacturers coupons&amp;nbsp;and have accepted their own expired coupons. From time to time they will also send $ off coupone on&amp;nbsp;your total bill.&amp;nbsp; Their prices are competitive to any other local warehouse store.&amp;nbsp; I was a Sam's Club member for over 15 years and dropped them when I was being charged a $65. membership fee.&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; To answer another poster's question, BJ stands for Beverly Jean who was the founder's daughter.&amp;nbsp; &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 13 Mar 2015 15:30:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/BJ-s-PreApproved/m-p/3859009#M1075154</guid>
      <dc:creator>jim44</dc:creator>
      <dc:date>2015-03-13T15:30:03Z</dc:date>
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