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I've heard of folks getting the pre-approval in store but it never worked out for me what way....and I'm in Sam's Club at least once a week religously. I waited until I was over 730 on TU, when I pulled the trigger I was sitting at 736 TU at time of approval...CL now $13.5k and I've have it just about 2 months now.
@Loquat wrote:I've heard of folks getting the pre-approval in store but it never worked out for me what way....and I'm in Sam's Club at least once a week religously. I waited until I was over 730 on TU, when I pulled the trigger I was sitting at 736 TU at time of approval...CL now $13.5k and I've have it just about 2 months now.
call and ask for $25k, they probably give it to you!
Just to add a data point, I got my own Sam's Club MasterCard by applying online. A few days later I went to a local club and had my picture made and got a temporary card that could also be used in-store only for credit (the temp card wasn't a MasterCard).
I picked up a few items, and when I went to the register to pay the cashier swiped my temporary card (that also allowed instore purchases to the new MasterCard), and told me I was "pre-approved" for a credit account. I was a bit confused, and simply told her I already had the MasterCard but didn't have the card yet. She simply continued without saying anything more.
I suspect the pre-approval was for the PLCC card since it should have known I already had the MasterCard. I know this doesn't answer the original question that started the thread, but I wanted to add this since I definitely got a pre-qual offer at the register when I was checking out.
I just went tonight and signed up for membership and applied at the desk while there.
I also apped online.
The closest Sams is about 100 miles away. However, as EVERYTHING is 100 miles away, it's not as bad as it sounds.
I was in Sams around Christmas, and needed to renew my membership, but their computers were down (so they let me check out with an expired membership).
I was looking at the Sams MC, and needed to renew my membership to apply, so I did it about a week before my next (last) trip to Sams. Card arrived the day before said trip, and had my picture taken after I got the card. However, as their printer was down, I received another new Sams card with my picture on it.
SL is $3600. Just paid off the first statement, waiting for the 2nd statement to close and then plan on calling CS.
TU FICO is 717.