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SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)

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SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)

Hi All

 

I been reading the forum for days and finally bite the bullet and pulled the trigger first time entering Synchrony 

and applied for Sams Club memebership and applied for the Master Card. 

And they approved me a toy limit SL$1000 .......... Im extremely disappointed and would like to ask should I immediately cancel it ?

 

My Fico 8 EX 784 / TU 782 / EQ 798

Pulled TU 

5 inq in 12 months

2 inq in 6 months

Income $173K 

Zero Badies, Never BK, Clean Report 

Utlitzation 9% 

Total limit over $250K 

Plz also see my other cards in my Signature below 

 

This SL$1000 is the lowest lowest I ever received. I called the credit solution # right after shown approved online and they did a SP on me,

lady keep laughing said i have excellent credit and also well in control and responsible for my credit. But she said system could not CLI me

 

What did I do wrong ???

Anyone know whats the reason why Synchrony only grant me so little limit ?? 

Should I just cancel the card at least they wont report as a new account to hurt more of my score ? 

If i cancel the card now before they mail out, can I stop them reporting to my report ? or they still report open and closed ?

 

Thank you for all of your advise

 

 

 

 

EX = 784 / TU = 780 / EQ = 782 ( Dec 2019)

Utilization = 7-11%
AMEX BCE = $8,800
AMEX Blue Business Cash =$17,800
Alliant Signature = $30,000
USB Cash+ = $25,000
Citi DC = $21,000
Citi Rewards+ = $25,500
Citi Thank You = $11,000
Discover IT = $20,700
BoA CashReward = $21,600
BoA Americard = $40,000
WellsFargo Wise = $20,000
BBVA ClearPoints = $10,000
Crab One Master = $4500
Mercury Master = $6,750
Total Rewards Visa = $23,000
Apple Card = $30,000
Sams Club Master = $3,000
1) BLACKLISTED BY CHASE
2) Capital One DONT LIKE ME (Never approve all their cards)
3) Cannot Pass Barclay Security (Regardless how many documents I sent to them still cannot confirm my ID)

((GOAL))
$500k family
Message 1 of 23
22 REPLIES 22
Community Leader
Mega Contributor

Re: SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)

Canceling the card wont do a thing, this card will report to your cba super fast. At least you were approved for the MC, you could have been given the store card. Sometimes the limit starts low irregardless of how good your credit is but with your profile, you could easily get this card to 25k in a few months. Wait til after 3rd statement cut to call Credit Solutions and shoot high. Just keep at it, it will grow. Try getting a $300 sl then ask about toy limitsSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 2 of 23
Valued Contributor

Re: SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)

CONGRATS on the Approval and Welcome to the FORUMS!!!

 

You have a Very impressive signature there!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $19K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card WEMC $6K | NFCU cashRewards $1K
TCL - $117.5K+ | Rebuilding since April 2018
Message 3 of 23

Re: SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)


@AverageJoesCredit wrote:
Canceling the card wont do a thing, this card will report to your cba super fast. At least you were approved for the MC, you could have been given the store card. Sometimes the limit starts low irregardless of how good your credit is but with your profile, you could easily get this card to 25k in a few months. Wait til after 3rd statement cut to call Credit Solutions and shoot high. Just keep at it, it will grow. Try getting a $300 sl then ask about toy limitsSmiley Wink

thank you very much for your advise 

so sound like if i approved online and immeidately call them to cancel the card, they will still report me OPEN + CLOSED. 

That mean this will be counting as 1 new account opened Smiley Sad 

Even tho i stop them sending out to me 

EX = 784 / TU = 780 / EQ = 782 ( Dec 2019)

Utilization = 7-11%
AMEX BCE = $8,800
AMEX Blue Business Cash =$17,800
Alliant Signature = $30,000
USB Cash+ = $25,000
Citi DC = $21,000
Citi Rewards+ = $25,500
Citi Thank You = $11,000
Discover IT = $20,700
BoA CashReward = $21,600
BoA Americard = $40,000
WellsFargo Wise = $20,000
BBVA ClearPoints = $10,000
Crab One Master = $4500
Mercury Master = $6,750
Total Rewards Visa = $23,000
Apple Card = $30,000
Sams Club Master = $3,000
1) BLACKLISTED BY CHASE
2) Capital One DONT LIKE ME (Never approve all their cards)
3) Cannot Pass Barclay Security (Regardless how many documents I sent to them still cannot confirm my ID)

((GOAL))
$500k family
Message 4 of 23
Valued Contributor

Re: SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)

It's Synchrony... YOUR REAL credit limit MAY not be 1000    wait until you get your card.   You should always apply in store for synchrony if possible to avoid toy limits.  Give it 4 months you'll be at 25K with a CLI from Credit Solutions. \\  what is your other synchrony credit exposure?






Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000. Waiting on them to all report over the next month... Only Kohls is reporting so far... WITH AGE. They use AZEO method.
Member of:
Andrews FCU (Share), PENFED CU (Checking/Share), SDFCU (Share), Alliant CU (Checking/Share), NASA FCU (Share), NWFCU (Checking/Share), Ally Bank (Checking/Savings), BofA (Checking/Share), Navigant CU (Share), Greenwood CU (Share), Elements Financial CU (Share), Ocean State CU (Share), SDFCU (Share), Wells Fargo (Checking), RI Credit Union (Share), CashApp, PayPal Premier (for free direct deposit access with cash card), Paypal Business - Grandfathered 1.5% Cash Back on Biz Debit), Apple Pay Cash, and Venmo.
I WANT to join: Hanscom FCU (For the 2 day early direct deposit).
Burned:
DCU, NFCU, Comenity, Synchrony, Barclays, Discover, Amex, Webbank (Avant), Santander, Citi (Shell), DSNB (Macys), TDRCS (Target+Nordstrom), Capital One (Personal & Business, Kohls, and GM), CreditFirst(Firestone)
Message 5 of 23
Frequent Contributor

Re: SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)

DON'T CANCEL IT!

 

It's really a great card.

 

Mine started off at $2,000 in club approval. Before long I got it to $8,000 then $15,000 then $25,000.

 

Nice card to have 5% CB on gas, 3% on dining and travel.

 

Be patient it will grow.


Message 6 of 23

Re: SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)


@MyDataMyChoice wrote:

It's Synchrony... YOUR REAL credit limit MAY not be 1000    wait until you get your card.   You should always apply in store for synchrony if possible to avoid toy limits.  Give it 4 months you'll be at 25K with a CLI from Credit Solutions. \\  what is your other synchrony credit exposure?


Hi there, thank you for our advise, this is my first synchrony card, i dont have any of their cards in my life, this is the first one 

EX = 784 / TU = 780 / EQ = 782 ( Dec 2019)

Utilization = 7-11%
AMEX BCE = $8,800
AMEX Blue Business Cash =$17,800
Alliant Signature = $30,000
USB Cash+ = $25,000
Citi DC = $21,000
Citi Rewards+ = $25,500
Citi Thank You = $11,000
Discover IT = $20,700
BoA CashReward = $21,600
BoA Americard = $40,000
WellsFargo Wise = $20,000
BBVA ClearPoints = $10,000
Crab One Master = $4500
Mercury Master = $6,750
Total Rewards Visa = $23,000
Apple Card = $30,000
Sams Club Master = $3,000
1) BLACKLISTED BY CHASE
2) Capital One DONT LIKE ME (Never approve all their cards)
3) Cannot Pass Barclay Security (Regardless how many documents I sent to them still cannot confirm my ID)

((GOAL))
$500k family
Message 7 of 23

Re: SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)


@steelers1 wrote:

DON'T CANCEL IT!

 

It's really a great card.

 

Mine started off at $2,000 in club approval. Before long I got it to $8,000 then $15,000 then $25,000.

 

Nice card to have 5% CB on gas, 3% on dining and travel.

 

Be patient it will grow.



Hi Steelers

Thank you for sharing your experience, yes i was very disappointed earlier, after reading so many post about Sychrony here and

ending up they threw me a bone on the ground with SL$1000 Smiley Sad 

I will take your advise and keep it then, yes i like 5% gas reward. Hopefully they will give me an increase. 

With $1000 limit maybe i go there buy 2-3 times already max out the card Smiley Sad

Thank you for your advise 

EX = 784 / TU = 780 / EQ = 782 ( Dec 2019)

Utilization = 7-11%
AMEX BCE = $8,800
AMEX Blue Business Cash =$17,800
Alliant Signature = $30,000
USB Cash+ = $25,000
Citi DC = $21,000
Citi Rewards+ = $25,500
Citi Thank You = $11,000
Discover IT = $20,700
BoA CashReward = $21,600
BoA Americard = $40,000
WellsFargo Wise = $20,000
BBVA ClearPoints = $10,000
Crab One Master = $4500
Mercury Master = $6,750
Total Rewards Visa = $23,000
Apple Card = $30,000
Sams Club Master = $3,000
1) BLACKLISTED BY CHASE
2) Capital One DONT LIKE ME (Never approve all their cards)
3) Cannot Pass Barclay Security (Regardless how many documents I sent to them still cannot confirm my ID)

((GOAL))
$500k family
Message 8 of 23
Super Contributor

Re: SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)

If you are worried about maxing out the card, set up push payments from your bank. I would do this anyway because Synchrony’s portals leave a lot to be desired. 

 

Whenever you use the card, just push a payment from your bank and they’ll release the funds on the card as soon as they get it. It takes 2 business days for my bank and I pay both my PayPal and Amazon cards this way. 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 9 of 23
Community Leader
Mega Contributor

Re: SAMS CLUB MASTER CARD APPROVAL (BIG DISAPPOINTED)

Just want to add apping in store vs apping online does not help in preventing a toy limit. You will get approved for whatever the computer deems for your profile. No amount od small talking a cashier or salesperson can chsnge thatSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 10 of 23
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