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Just approved with a TU 702 fico. Holidays are coming. Belt strings may have loosened on the MC version.
Sync
walmart 10k
lowes 9.5k
amazon 7.5k
jcp 200$ never used in years.
Sams MC $1600. NEW
Chat will come soon.
Should I lower some of the other limits as to not poke the bear? Thanks.
@Anonymous wrote:Just approved with a TU 702 fico. Holidays are coming. Belt strings may have loosened on the MC version.
Sync
walmart 10k
lowes 9.5k
amazon 7.5k
jcp 200$ never used in years.
Sams MC $1600. NEW
Chat will come soon.
Should I lower some of the other limits as to not poke the bear? Thanks.
Congrats on the Sam's Club MC approval!
I got my own Sam's Club MC just over a year ago (Aug 2015) and my score was within a few points of yours... I think my TU at the time was 709 (+/-). I was approved with a SL of $1500, and I've used it hard over the last year.
I was able to get a few CLIs via the website (to $4850, then to $8k) before I made the call to CS back in June and had it increased to $20k (by this time my TU was completely clean, and was sitting around 780-ish). If I recall correctly, the website CLIs usually require four months (roughly) in between requests... note that I use the qualifier 'roughly'... I'm fairly sure at least once I was a few days early, yet it still worked. YMMV.
The data on the blue envelopes is a little all over the place, but in most cases (but not all) the folks who have been impacted had opened multiple accounts close together in a short period of time. Again, there have been exceptions to this, but in my opinion this seems to be the most common situation, and as long as your other Synchrony accounts have a little age on them you'll probably be fine.
You'll love your new card... it's actually the most-used card in my wallet at the moment, and I'm earning $250+ per year in rewards (and that's even with shifting some usage to other new cards to make spending bonuses... if it weren't for this I would be earning $350+/year on my Sam's Club MC alone.)
All the known Synchrony issues aside, so far they've been flawless for me. The only notable thing I'll point out is that if you actually shop at Sam's Club, you'll probably have other cards that will give you a higher rewards rate than their own card... it's actually humorous (to me) that I use my Sam's Club MC just about everywhere except for Sam's Club, where I always have a card that can beat the 1% rate of their own card.
Again, huge congrats... you're going to love it!
Edited to add: Don't forget about their promotion where they double your cash back earned the first 90 days your account is open!
Congrats on your approvals!
Congrats! I wish we had a Sam's Club where I live. Strictly Costco neighborhood, and I doubt Citi will take me.
Congrats again!
Good Job!!! I me some Sam's Club for sure!!!
@Anonymous wrote:Just approved with a TU 702 fico. Holidays are coming. Belt strings may have loosened on the MC version.
Sync
walmart 10k
lowes 9.5k
amazon 7.5k
jcp 200$ never used in years.
Sams MC $1600. NEW
Chat will come soon.
Should I lower some of the other limits as to not poke the bear? Thanks.
Great approval. I was stuck with thw store card but managed to get it to $10K within months (Max is $12K I believe). Your MC should definitely grow to $20K given the right profile and usage.
769 ⋅ INQs: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |