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I am looking to apply for the Sam's Club Master Card tomorrow when I go in. What are my chances of getting a approval? My discover FICO is a 712 and my credit report is clean. I have opened two new accounts in the past year. 3 inquires in total. Always pay my bill on time in full and have 6-8% utilization. Does anyone know if they will approve me with me just getting into credit? The 5-3-1 rewards would really be great for me and what I typically buy with credit. Plus if I apply next week and get approved I get $40 off a $100 purchase. Please let me know who they pull and if my chances are good.
Given what information you provided, you should have no problem getting approved.
I agree with Irish80. They denied me back in October but I had a whole mess of baddies. Planning to try again when my CRs are clean.
I say go for it! ![]()
Well... I got approved! 2,500 limit surprised me.
@Anonymous wrote:Well... I got approved! 2,500 limit surprised me.
Congrats!
All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record
Lines of Credit:
Personal Loan:
Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450