@Anonymous wrote:
About a week and a half ago I applied for a Walmart store credit card and it was denied. I have an Amazon account with GE and it has always been in good standing so I'm not sure why they won't give me another account with Walmart.
Fast forward a week and I had a groupon for Sams it was $45, but you receive a $20 gift card to use so it ended up being $25. I am a BJ's shopper so without the groupon wouldn't have joined. Anyway I get to the desk and the girl asks if I want to apply for the Sams credit and I told her that Walmart had just denied me days before and they use the same bank and are pretty much the same company so I said no I didn't want another hard pull.
She took my license to set up the membership and she said are you sure it says you are preapproved for $500. I said how can I be preapproved without giving you my ssn? She said their system is set up that way.I now have a Sam's store credit which I have used at both Sam's and Walmart already.
I am puzzled as to why I was denied one, but instantly preapproved for the other when they are the same company and use the same bank? Also there is no pull on any bureau I have credit monitoring for a 3 bureaus that alerts me in 24 hours of any activity. There was no hard or soft pull, but the account has been added to Experian already however that means nothing because my Barclays card was hardpulled by TU and showed on EQ and EX first. Does anyone know how they can preapprove without your san? Sam's seems pretty notorious for preapprovals.
Congratulations on your approval! Thanks for sharing. 
Wish I could answer regarding why the approval for Sam's but not Wal-Mart -- I think a certain amount of latitude is given for Sam's members -- I know my CL there is higher than WM card. Dunno why! It will be nice if there is no hard pull for you regarding the card!
Congrats! I have no idea how they can approve without SS number. Welcome to the forum and thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
congrats on the Sam's card
Thank you everyone
@Anonymous wrote:
About a week and a half ago I applied for a Walmart store credit card and it was denied. I have an Amazon account with GE and it has always been in good standing so I'm not sure why they won't give me another account with Walmart.
Fast forward a week and I had a groupon for Sams it was $45, but you receive a $20 gift card to use so it ended up being $25. I am a BJ's shopper so without the groupon wouldn't have joined. Anyway I get to the desk and the girl asks if I want to apply for the Sams credit and I told her that Walmart had just denied me days before and they use the same bank and are pretty much the same company so I said no I didn't want another hard pull.
She took my license to set up the membership and she said are you sure it says you are preapproved for $500. I said how can I be preapproved without giving you my ssn? She said their system is set up that way.I now have a Sam's store credit which I have used at both Sam's and Walmart already.
I am puzzled as to why I was denied one, but instantly preapproved for the other when they are the same company and use the same bank? Also there is no pull on any bureau I have credit monitoring for a 3 bureaus that alerts me in 24 hours of any activity. There was no hard or soft pull, but the account has been added to Experian already however that means nothing because my Barclays card was hardpulled by TU and showed on EQ and EX first. Does anyone know how they can preapprove without your san? Sam's seems pretty notorious for preapprovals.
The underwriting standards for each card are different, while you may be denied for one you will be approved for another, its just the way it is, enjoy your Sams card, its better than the walmart IMO
