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Sam's Club MasterCard PreQualified at Register Question

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New Contributor

Sam's Club MasterCard PreQualified at Register Question

Hello all,

 

last week I went to Sam's Club to buy some things and was not expecting to be prequalified for thier mastercard at the register.

I decided to pass and look up the benefits and found it's a 5% cash back on gas! I was surprised and tempted since my highest gas cash back card is the BankAmericard with 3% (Excluding Chase and Discover's rotational category)

 

Anyway, my question is if I have a good chance at getting the card and if it's worth an inquiry.

 

I attached the prequalification paper they gave me.SAMS CLUB PREQUAL.jpg

Message 1 of 19
18 REPLIES 18
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Frequent Contributor

Re: Sam's Club MasterCard PreQualified at Register Question

how did they obtain your info? do you have some type of card with them?

Message 2 of 19
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New Contributor

Re: Sam's Club MasterCard PreQualified at Register Question

No, I only have their membership card and I am not the original owner, I was added by my mom since I use their gas station quiet a bit.

Message 3 of 19
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Frequent Contributor

Re: Sam's Club MasterCard PreQualified at Register Question

in that case, i wouldn't go for it...unless you know you have good credit. i just saw the #s again and it says the cl is 8k w 2k avail today. would you normally get approved for that type of line? also, i'd consider what info of yours they actually have to prequalify you (ssn, etc). doesn't sound like a sure thing to me.

Message 4 of 19
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Frequent Contributor

Re: Sam's Club MasterCard PreQualified at Register Question

Do you head through a cashier lane or self-service lane???

MSGCU Rewards | $5k | 10/2/2020 | 9.25% APRDiscover Student Cash It | $3,550 | 1/4/2019 | 12.99% APRAmex 1.5% CB | $3.9k | 7/3/2019 | 20.99% APRBest Buy Store Card | $3kChase Student Card | $1k | 4/10/2020 | 14.99% APRDiscover Cash It | $1,500 | 10/2/2020 | 11.99% APRCiti DC | $3.5k | 10/14/2020 | 16.99% APR

Loans
Ford Credit Car Loan 3-year 7/31/2018 ($199.26/month)
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 ($155.38/month)

Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020

Future Potenital Cards
AOD 3%
Gas Card 4% or 5%
Dining & Enterainment 3%
Amazon 5%
USB Cash 5% (Cable and Phone)
BOA Cash Rewards (if it ever goes back to Mastercard)
Message 5 of 19
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New Contributor

Re: Sam's Club MasterCard PreQualified at Register Question

I went to the cash resgister.

 

Not sure how they got my info, but my average credit lines average about 16 k, and my credit score is 756 TU, 752 EXP.

Message 6 of 19
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Valued Contributor

Re: Sam's Club MasterCard PreQualified at Register Question

Estukay, 

 

That is pretty solid!  The card is worth it just for the 5% cash back.

 

Guyatthebeach

Message 7 of 19
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Valued Contributor

Re: Sam's Club MasterCard PreQualified at Register Question

If you already have a Sychrony card of any stripe, I would consider this golden.




Living through Darwinism is so much worse than learning about about it in school.
Message 8 of 19
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New Contributor

Re: Sam's Club MasterCard PreQualified at Register Question

What if I don't?

 

I have no store cards of any kind, and no synchrony cards?

Message 9 of 19
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Valued Contributor

Re: Sam's Club MasterCard PreQualified at Register Question

Estukay,

 

If it were me and I didn't already have the Sam's MC, I would go for it.  The only thing you have to lose is a HP. 

Guyatthebeach

Message 10 of 19
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