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sams club showed as a soft on my annual credit report.
@Meltdownblitz wrote:
Wow really? When your shopping and they say you've been pre approved.. And you agree to apply, that would be a soft pull? That just doesn't sound right to me... SAMs club has told me a few times. You've been approved for whatever cl, would you like to apply? I always deny because I don't want the HP.
I have never applied, once they told me I was pre approved and gave me a credit limit I could accept the offer or deny the offer. I was never asked to fill out any type of application.
Even when you purchase online during check-out I have received you are pre approved for 5K credit limit, would you like to accept this offer? If I choose to accept the offer, I was still never asked for any further information to fill out an application.