Why can't I get a SAM'S Club card?

[JMMD]

I have appplied two or three times over the last two years and can not get approved. I have a Walmart card, two Cap 1 cards, Amazon Prime Card, Paypal Card, Care Credit, and a Local Bank Visa. I have an auto loan and student loan payments. My CS as of today is 682. I do have a four year old BK but perfect credit since. WHat is up with SAM'S??

[Anonymous]

Call credit solutions and plead your case with them. It's in the backdoor numbers. Seems you should be able to get some kind of CL with Sam's if your scores are what you say and your WM account has been handled well, so long as there is no recent derog in your CRs.

[Anonymous]

i couldnt get a sam's because of INQ to many....they pulled TU. Seems everyone pulled TU on me 17 on TU, EQ 4 EX 4

[JMMD]

I guess it could be because of inquiries but I don't really think so. Oh, well. I have plenty of other cards. Its just the point! 

[Anonymous]

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@JMMD wrote:

I guess it could be because of inquiries but I don't really think so. Oh, well. I have plenty of other cards. Its just the point! 

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My wife has a 790 fico score. Perfect payment history. Oldest account 19+ yrs, AAOA 10yrs. Altho she got a toys r us card today thats issued by the same bank but sams club was a no a few weeks ago. Same with her. 13 inquires. Was why they denied her. Its strange. We are gonna try in a year.We both just got a ton of credit too. The same bank also denied us care credit but gave us a 30k lowes card....

[Anonymous]

Are both of you applying online or in-store?

[JMMD]

Online.

[Anonymous]

We applied online but i have a feeling if your holding the merchandize in your hand they'd be more incline to give you the card like they did for toys r us to keep you from swiping another card. Toys r us we were in line ready to purchase. Idk. Its a strange bank. 

[KneelBeforeZod]

Synch is a strange beast and this type of scenario has been discussed by others. I could never understand what their underwriting criteria was for handing out a store card vs a branded MasterCard.

I eventually got their MasterCard - which I have no idea why I was so obsessed about it. Maybe it was because I get jipped because I was given a store card at first when I really wanted a MasterCard (formerly Discover branded).

[UncleB]

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@KneelBeforeZod wrote:
Synch is a strange beast and this type of scenario has been discussed by others. I could never understand what their underwriting criteria was for handing out a store card vs a branded MasterCard.

I eventually got their MasterCard - which I have no idea why I was so obsessed about it. Maybe it was because I getjipped because I was given a store card at first when I really wanted a MasterCard (formerly Discover branded).

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+1

Synchrony is indeed a very strange beast. 

I got my Sam's Club MasterCard with two old baddies on my reports, and with low inquiries (two on TU at the time).  My two oldest accounts are with them as well, so that might have made a difference (Lowe's -11 years, Belk - 9 years).  I was only approved with a $1.5k credit line, so I was likely border-line (they've since increased it).

Also, I have no personal experience with this, but others on here have said that with Synchrony there's no way to recon a declined application, not even with Credit Solutions.  Again, this is anecdotal, so you might want to give it a try anyway, just in case.  Once you get approved, though, Credit Solutions is well-known for helping folks get their limits increased, even shortly after approval.

Good luck, and let us know how it goes!