Sams Club / Synchrony - **bleep**

[KneelBeforeZod]

So today, my wife decided to try and go for the Sams Club MasterCard. There is a radio button on the form where you can select the MasterCard or the Store Card. She applied and gave her the store card even though she explicitly applied for the MasterCard.

Why does their website do this? Unlike Walmart, there is no language indicating that they would approve her for either/or.

We've called and had the account shut down as we told them the account is no good outside Sams or Walmart. I'm just surprised that if they had a radio button that they would still stick her with the store card when she selected the MasterCard.

Any thoughts?

[KneelBeforeZod]

PS - I wasn't swearing in the subject. I guess the letter W and T and F can't be put together. Lol

[Anonymous]

im guessing you can select which one you want, but im guessing after they review the credit report they decide on which one to approve.

best buy does the same thing. if not approved for the MC they give you a regular store card.

same as 

macys if you dont get approved for the amex they give you a regular card.

Hope it helps !

[KneelBeforeZod]

I think we're going to fight them to remove the inquiry. There is no explicit language stating they will approve for either or. At least with Macy's and Best Buy they tell you before you click Apply/Submit.

Plus with then allowing you to select, it gives the impression you can choose just one. If we had known, I wouldn't have wasted the inquiry. I'd fee better if it was a denial so we could see more about why they didn't approve.

I should have never let her apply. There are better cards out there than it...

[chalupaman]

That sucks. That's how several of the Sync Bank cards work and other cards like the Club Carlson work. If you don't qualify for the MC they will consider you for another version of the card.

I was initally disappointed with my $937 limit Sams Club card, let a statement generate and requested $10k and they got my limit up to $8k so it wasn't entirely a disappointment at all for me.

[KneelBeforeZod]

Yeah...I'm convinced we are going to fight this one and get the inquiry removed. I have enough info to back it up and Synchrony does have good customer service (at times).

Wish us luck! It's funny how Amex approved her for the Costco card with no issues. Looks like we know where to do bulk shopping at going forward.

[KneelBeforeZod]

Popamode72 - that's strange, that's the exact credit limit they tried to give her. Where do they come up with a limit like that??? So stupid...

[Creditaddict]

The language is 100% there (fine print on one of those pages) it's almost standard on all cards that offer both a MC/Visa/Amex version AND Store will automatically consider you for the store if you don't qualify.

I would have kept it open and just recon the limit (I went from $637 to $8k) via Chat function.

Sams is an odd bird when it comes to the card (store, MC, Business) I was flat out denied a business account despite the $8k personal account but I received visa Banana, Ebates Visa, the list goes on!

but the sams store card can be offered for convertion later so it's not a terrible worthless card if you shop at sams club.

[bigblue7722]

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@Creditaddict wrote:

The language is 100% there (fine print on one of those pages) it's almost standard on all cards that offer both a MC/Visa/Amex version AND Store will automatically consider you for the store if you don't qualify.

I would have kept it open and just recon the limit (I went from $637 to $8k) via Chat function.

Sams is an odd bird when it comes to the card (store, MC, Business) I was flat out denied a business account despite the $8k personal account but I received visa Banana, Ebates Visa, the list goes on!

but the sams store card can be offered for convertion later so it's not a terrible worthless card if you shop at sams club.

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100% the reason why i have not applied for the card yet. Im afraid i would only get the store card which is usless to me. 

[KneelBeforeZod]

Just got off the phone with Synchrony with a manager. He claims he cannot find on the MasterCard portion where it says they will approve me for a store card. They are removing the inquiry from TransUnion.

Funny what happens when you tell them you plan to file complaints with the FTC and BBB...