Sam's Club Discover Card ..... Assistance on how to Recon

[Wanka77]

I've recently decided to inquire for credit cards since all my actual debt so far is 5 Stdnt Loans w/ a total balance of $7500.  Anyways, after reading my crdt rprt as to what is hurting/not helping my crdt score I decided to apply for several types of accounts and got most of them approved. It list as follows;  Walmart Discv $3k CL, JCPenny $800 CL, Mutual Omaha Bank (MC) $1000 CL, Sam's Club in-store credit card $1000 CL, Exxon Mobile $500 CL, and then I also applied for PNC Cash Builder/Visa (Initially declined but after reading many posts I call the undre writters and is currently undre review), BP Chase (Declined), and last, atleast for atleast the nest 24 mos. I also applied for Barnes and Noble Discv card ( called to check status - Pending)..... My current scores EX 711 (FreeCreditReport), EQ 669  (Equifax), TU 733 (TransUnion).  However when I applied for these credit cards, my scores were: EX: 660 (FCR), EQ 651, TU 712.     I need assistance in how to convince Sam's Club Discv into recon their decision in approving my application, or I should just leave it as is since I was able to obtain (Sam's in-store credit and Walmart Discv)  What would you guys do?  ..........  Any assistance will be greatly appreciated and Do you guys think I'll be apprvd for the Barnes & Noble Discv?

[BearsAndTurtlesRtheBest]

Id say leave it dont worry about it because the wal mart Dis is WAYYYYYY more better than Sams Dis. My mom has it and there really is no joke to having it except that its your personal credit card and memebership. 

[FinStar]

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@Wanka77 wrote:

I've recently decided to inquire for credit cards since all my actual debt so far is 5 Stdnt Loans w/ a total balance of $7500.  Anyways, after reading my crdt rprt as to what is hurting/not helping my crdt score I decided to apply for several types of accounts and got most of them approved. It list as follows;  Walmart Discv $3k CL, JCPenny $800 CL, Mutual Omaha Bank (MC) $1000 CL, Sam's Club in-store credit card $1000 CL, Exxon Mobile $500 CL, and then I also applied for PNC Cash Builder/Visa (Initially declined but after reading many posts I call the undre writters and is currently undre review), BP Chase (Declined), and last, atleast for atleast the nest 24 mos. I also applied for Barnes and Noble Discv card ( called to check status - Pending)..... My current scores EX 711 (FreeCreditReport), EQ 669  (Equifax), TU 733 (TransUnion).  However when I applied for these credit cards, my scores were: EX: 660 (FCR), EQ 651, TU 712.     I need assistance in how to convince Sam's Club Discv into recon their decision in approving my application, or I should just leave it as is since I was able to obtain (Sam's in-store credit and Walmart Discv)  What would you guys do?  ..........  Any assistance will be greatly appreciated and Do you guys think I'll be apprvd for the Barnes & Noble Discv?

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If you already have a Walmart Discover and the Sam's Club store accounts, the likelyhood of approval for the Sam's Club Discover is unlikely.  The are all underwritten by the same entity - GECRB.  Typically, and similar to Walmart credit underwriting, you will be considered for the Discover version first; if you do not qualify, then the store account will be offered.

Your Sam's Club store account may have the option or be offered an upgrade down the road for the Discover version.  Otherwise, you would have to close your Sam's Club store account and reapply in the future to see if you qualify for the Discover version.

I'm do not believe that Barnes & Noble offers a Discover version of their credit card.  It is still currently offered in the MC version and underwritten by Barclays. 

[BearsAndTurtlesRtheBest]

Just checked and its still licensed by Master Card^^^^ dont know why the OP mentioned Discover maybe he messed up and instead of typing MC he typed Dis. 

[Wanka77]

My Bad... It's B&N Platinum Card.  I decided to make all of my inquiries within a one weeks period so that  two years down the road, all of my hard Inquiries are deleted from my crdt and hoping in the interim to have received decent CLI.  My goal is to achieve a credit score of 750+ (All)

[FinStar]

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@Wanka77 wrote:

My Bad... It's B&N Platinum Card.  I decided to make all of my inquiries within a one weeks period so that  two years down the road, all of my hard Inquiries are deleted from my crdt and hoping in the interim to have received decent CLI.  My goal is to achieve a credit score of 750+ (All)

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Depending on the outcome of your Barnes & Noble (Barclays) pending application - if not approved - and decide the reconsideration option, be prepared to explain your recent application spree and new accounts/recent inquiries.

Barclays does not offer much flexibility as they are well known for being inquiry/new accounts sensitive - regardless of income and credit file history/score... some folks have attempted 2 or 3+ recons with no success (more often than not, credit analysts document your previous calls).

[Wanka77]

Thank you guys for all of your assistance.... I'll keep you updated!