Re: $5k Pre Approved at Sam's Club in store checko... - myFICO® Forums

Anonymous · ‎05-28-2020

I was checking out at Sam's club about 3 months ago and the cashier said "You've been approved for a Sam's Club Mastercard, do you want to accept it and apply the promo $45 on today's purchase?"... By instinct I started to say "No, thank you", but I just curiously asked "are there any details, like the credit limit?".... and she says "$5,000". It seemed unusual, so I asked to look at the piece of paper she was looking at (printed by the receipt printer) and after looking at it for a bit, I accepted. Here's the really interesting part, 3 months later I can now confirm for sure that Synchrony only did a Soft Pull, never ever a HP. I wasn't specifically seeking that card, but it's a very good gas card.

Here's some data points in case anyone else is interested. Scores are all around 710-720. utilization at that time was 7% and I had only 1 Hard inquiry in the past 2 years. They had the $5,000 SL on the offer before getting my SS# and I'm not sure they ever even asked my income ($145,000 household), but here's some factors that I believe influenced this, maybe I'm wrong... I have had a Sam's membership for 15+ years and for the past few years I spend an average of about $1,000 per month there on groceries, business supplies, gigantic containers of cheese balls, etc. Maybe most importantly (maybe purely coincidence), a Costco just opened up 15 minutes away 7 months before this happened.

Sorry, long post I know, but this is MY FIRST POST on myFico and I wanted to say hello and Thank You to the community. I browse on here a LOT and it has always been super helpful, but I never joined until a few days ago. This community is the most influencial forum on the internet for credit, personal finance, etc. and I think maybe you don't even realize how much and how many people you help. At the time of me posting this, the bottom of the "community" page shows the following....

Users Online

Currently online: 4 members 1,722 guests

That means that for every 1 person who's on here posting as a "registered member", there are 400+ on here finding answers to their questions. Thanks again.

AllZero · ‎05-28-2020

Congratulations on your SP approval! I think it was the gigantic containers of cheese balls that got you the pre-approval.

thornback · ‎05-28-2020

@AllZero wrote:
Congratulations on your SP approval! I think it was the gigantic containers of cheese balls that got you the pre-approval.

Oh.. It was most definitely the Cheese Balls...

Congratulations @Anonymous ! Thanks for sharing and welcome to the forums! Hope to see more of you...

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

M_Smart007 · ‎05-28-2020

Congratulations on your approval! ...

Anonymous · ‎05-28-2020

@Anonymous wrote:
... this is MY FIRST POST on myFico ...

Very cool story and nice approval -- Congrats! & thanks for the DPs. Welcome.

CreditAggie · ‎05-28-2020

Congratulations on your Sam's Club Mastercard approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (February 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

gdale6 · ‎05-29-2020

Pretty good approval, congrats on getting it.

Cred4All · ‎05-29-2020

Congrats on the approval, even more so with a SP. I will say, if I was standing behind you in line and heard a credit card offer being discussed, I'd be thinking "Oh great I'll be here all day." Then, when my turn would come, I'd say "So where is my pre-approval?"