What is the highest Sam's Club In-Store Credit Limit???

[jcx808]

Hi All,

I wanted to know what the highest credit limit you can obtain for the Sam's Club In-store credit card, not the Sams Club Discover.  Mine is currently at $8500, I plan on requesting a credit limit increase, but don't know how much to ask for.  I don't want to get declined if I ask for too much.  I was planning on asking for a $6500 increase for a new credit limit of $15,000.  Does anyone know what the limit is?  I've read on the forums that $10,000 is the limit for the Sam's Club Discover.  Any information will be much appreciated.  Thanks.

[marty56]

Mine started at $300 and is now $4100.  Took years to get there.  I once got a at register offer for their discover card for 7500 so IMHO their Discover card would have a higher CL.  LOL if DW saw a CL of 15k on my Sams card I would be so dead.

[jcx808]

Yes, the $15,000 is alarming, but I was planning on using the 24 month 0% financing to make a large purchase.  Do you know if its possible to get a $15,000 Credit limit.  I haven't been able to find anything on the forums about the In-Store Sam's Club max credit limit.

[boomhower]

Most I've seen on any GEMB store card is 10k.

[Creditaddict]

Topic several months ago talked about credit lines currently had by members for store and Discover... I know I saw at least $15k...

I wouldn't worry about asking for $15k and getting declined, they will counter!

and you can also talk to underwriting to try for it also if the auto system won't give it.

[jcx808]

I asked for $15,000 but was offered $10,000 by the customer service rep.  After accepting the counter offer, the service rep. informed me that she pulled a credit report and confirmed that it was a hard pull.  Is this normal?  I thought it was a soft pull for a credit limit increase for the Sams Club Card.  Does anyone know if its a hard or soft?  I'm not sure if the service rep. knows what a soft or hard pull is.

[marty56]

Mine started at 300 and is now 4100. All auto CLI and no INQ.

I know that GEMB likes to do a lot of soft pulls on your CR so it is possible it was a soft pull.

If it helps I know that GEMB did lots of soft pulls on my EQ report (I live in Texas) so for peace of mind I would look at your EQ report first. 

[boomhower]

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@jcx808 wrote:

I asked for $15,000 but was offered $10,000 by the customer service rep.  After accepting the counter offer, the service rep. informed me that she pulled a credit report and confirmed that it was a hard pull.  Is this normal?  I thought it was a soft pull for a credit limit increase for the Sams Club Card.  Does anyone know if its a hard or soft?  I'm not sure if the service rep. knows what a soft or hard pull is.

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Wait wait wait. She INFORMED you after words?  She didn't ask permission to pull it?  I'd be hot!!!!

[Anonymous]

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@jcx808 wrote:

I asked for $15,000 but was offered $10,000 by the customer service rep.  After accepting the counter offer, the service rep. informed me that she pulled a credit report and confirmed that it was a hard pull.  Is this normal?  I thought it was a soft pull for a credit limit increase for the Sams Club Card.  Does anyone know if its a hard or soft?  I'm not sure if the service rep. knows what a soft or hard pull is.

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If you talk to a rep it's typically a HP. The automated phone system does SP though.

[jcx808]

How long does it take for the inquiry to show up on the credit report?  I just checked my Equifax and Experian, no inquiries so far from GEMB/Sams Club.