BJs world MasterCard

[Anonymous]

Been trying to to garden since 10/16. Membership was due and the offer came up. 

Approved 12.5k. 5% on Bjs spend   2% on dining 1% everything else 10cents on f fuel. 25$ off membership.  Works for me. 

Data points. Pulled eq @ 695. EQ immediately dropped to 690 from Iq. 

Ex @716 unaffected. 

Tu @724 unaffected

eq is the  one that seems to change any time I fart. Ex and TU seem to be very stable. 

I shop here  often on the space coast. I have to go to Orlando to go to Costco about 1 hour. Not good.

I have 2 Sams clubs and a sams card that I love ❤️.

Good day. Next app. 2018.  

And and I called. He said I won't know the apr until I get the card. 

Thanks for listening. 

[pipeguy]

Congrats, - its a good card for gas especially at BJ's and their Tire Center is very good if they carry the brands you like (Sams is good on these two points too). APR will be high, probably 25.49% so you must PIF, its Comenity - APR's are typically high. Sams = Sync, Costco = Citi, but all of these are higher APR's at least in my experience (Costco/Citi is the lowest, but I'd still PIF on that one too).

[Anonymous]

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@pipeguy wrote:

Congrats, - its a good card for gas especially at BJ's and their Tire Center is very good if they carry the brands you like (Sams is good on these two points too). APR will be high, probably 25.49% so you must PIF, its Comenity - APR's are typically high. Sams = Sync, Costco = Citi, but all of these are higher APR's at least in my experience (Costco/Citi is the lowest, but I'd still PIF on that one too).

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I generally do. Thanks pipeguy!

[Anonymous]

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@pipeguy wrote:

Congrats, - its a good card for gas especially at BJ's and their Tire Center is very good if they carry the brands you like (Sams is good on these two points too). APR will be high, probably 25.49% so you must PIF, its Comenity - APR's are typically high. Sams = Sync, Costco = Citi, but all of these are higher APR's at least in my experience (Costco/Citi is the lowest, but I'd still PIF on that one too).

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I just checked, my BJs Mastercard is 15.49%, which is really not that bad (but I PIF anyway).

[Anonymous]

If it's under 20% I'll be cool with it. I don't carry a balance often.  

[pipeguy]

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@Anonymous wrote:

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@pipeguy wrote:

Congrats, - its a good card for gas especially at BJ's and their Tire Center is very good if they carry the brands you like (Sams is good on these two points too). APR will be high, probably 25.49% so you must PIF, its Comenity - APR's are typically high. Sams = Sync, Costco = Citi, but all of these are higher APR's at least in my experience (Costco/Citi is the lowest, but I'd still PIF on that one too).

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I just checked, my BJs Mastercard is 15.49%, which is really not that bad (but I PIF anyway).

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That's a great rate from Comenity, our BJ's MC is in the wife's name (I'm an AU) because I won't do business with Comenity, but there is a discount on renewals using the credit card so we have a card. Wife's scores are 788 to 809 with TU being the highest, mine are 767 to 803 with TU being the highest and our rate is 25.49% - go figure. Doesn't matter we always PIF on Sams, BJ's and Costco cards - I save paying over time for 0% promotions like Amazon store card and Blispay. . 

[AverageJoesCredit]

Congrats on a great sl MB.

[K-in-Boston]

Congrats! I was happy to get mine ($17k SL!) but a bit disappointed with the APR. It's either 25.49% or 15.49%, period. The $25 off the membership is great, but I do have a few minor complaints. My 2% rewards membership which became 5% with this card no longer gets rewards unless I use this card. I was enjoying the brief effectively 7% (Chase Freedom) or 12% (doubled Discover it) during category months before I got this. Also, there is no grace period on new purchases when taking advantage of the really nice 0% (1% fee) BTs, so I really have to think twice about using it instead of other cards.

[MissMoni223]

CONGRATS & WELCOME to the BJ's MasterCard family!!!