Resisting applying for Sam's Club for a few months... hopefully

[ddemari]

I joined Sam's Club last month and have so far not applied for the Card. 

I have a new Synch Bank card I was approved for recently and I DO NOT want the Sam club store card.

With Synch bank it's a roll of the dice but I think if I hold off for 3 more months. I will definitely get the MasterCard when I apply. 

If I were preapproved in the store and knew it would be  a MC, I totally would jump on it lol. 

[baller4life]

We're in the same boat. I want the card but don't like how they bait and switch and give you store card. I just left Sam's but no pre-approval pop up at register. I refuse to cold app it.

[ddemari]

I think even if I just waited until like mid may-I would have a good chance at the MC. i need to chain up the computer again lol. 

[ddemari]

Im stilll not going to do it but man my finget is itchy! Id rather be denied than get the store card haha. God i need something new to focus on other than approvals lol

[Anonymous]

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@ddemari wrote:
Im stilll not going to do it but man my finget is itchy! Id rather be denied than get the store card haha. God i need something new to focus on other than approvals lol

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Get a significant other to apply like I did.

[ddemari]

I wish unfortunately i fly solo!

[TheGardner]

I love this card. Only issues I have is high interest rate, 22.9% with a 760 fico when applied. And awards are paid annually, not too huge an issue until you get a "check" that you have to cash at sams club..

But if you PIF the 5% on fuel paired with buying gas at sams club makes the savings significant. 3% at restaurants is nice especially with Cash+ being nerfed. 

If you are 730+ I would expect the MC version. 700 and below store card. 701-730 either way report likely has a lot to do with this area but odds in your favor. These numbers are general observenses from previous posts. In no way scientific! 

Good luck!

[Anonymous]

My wife just got the card with a 719 score.  They gave her a small line of $2500.  Glad to have the card in the rotation though.  People tend to fixate on the 5% gas bonus, but I'm pretty thrilled with the 3% travel/restaurants bonus. 

[TheGardner]

Use the chat feature to grow it. Will get higher fairly quickly. Try every couple months!

[ddemari]

I read to be approved for tier 1 a fico of 825 is required. I guess they really do assume the tiniest amount of people will qualify for tier 1.

My tu took a dip momentarily, im at 726 today. Next time im in store i have to get a new member card and maybe ill get some sort of preapproval. If that even happens.