Sams Club Business MC - I just don't get it

Partner and I went to store yesterday so he could apply for the Business MC and PG it... after 45 minutes (yes 45 minutes at the counter!) 30 of which the rep was on the phone with credit... they came back a few times but would not talk to us, and all of a sudden told the rep denied! even the rep was like umm the customer is right here would you like to talk to them and she said no, but i said yes, so the rep was like well the customer is here and would like to talk to you."credit rep" gets on phone and I said is this a verification issue because that is common with our apps and she said NO, and a letter will come to you in 7-10 days. she was rude and wouldn't say anything more so i just hung up.called little bit later to credit and he said it was denied but i can take a second look, then said no looks like it is declined and will stay.I was like I don't' get it at all... I know each of your cards have different underwriting but we just opened a $20k Lowes card, how can we go from $20k with one retailer to not even $500 store card with this retailer with PG.He said it's possible blah blah but let me look at something, I want to review to satisfy you.Comes back less than minute later saying you need to call this number which is verification (BINGO, what i said from beginning!)Called them this morning, they sent a text message with code and verified some address stuff and PASSEDBack over to credit (verification lady told me it was approved for $2k)get to credit and she keeps putting me on hold, asks a couple things, and more holds... says she is just trying to get to a decision... I was like I was told I was approved already.she said no im still processing... came back and said denied.I about went through the roof.she is like credit doesn't qualifyi was like i know you have this cute little computer that makes a lot of decisions for you but sync doesn't send applications to security verification that are not approved if security is passed and the previous rep did all that.she says "yes, and you did pass that but your credit doesn't pass.i was like that's the craziest thing i have ever heard of... the credit score is mid 700's and all my sync accounts are $10k+ limits and you say i don't qualify for a $500 sams club store card.she said you applied for mc not store, you would have to apply.i said, that's not how the sams club card works, you apply for mc and if not approved it counters store card.she said, okay and you don't qualify for either.I was like you are just saying stuff that you think I want to hear, you don't have a clue what you are talking about and I don't know what you did but the previous rep told me a credit line, not just approved but gave me a specific credit line, you get that lady back on the phone because I didn't spend 45 minutes on the phone this morning for you to mess this application up on your end!Comes back and says i see what your saying and it doesn't make sense so i need to connect with a supervisor who can overturn as I can't and see if anything can be done and call you back.I'll update after I hear back.... ugh

Creditaddict wrote:
Partner and I went to store yesterday so he could apply for the Business MC and PG it... after 45 minutes (yes 45 minutes at the counter!) 30 of which the rep was on the phone with credit... they came back a few times but would not talk to us, and all of a sudden told the rep denied! even the rep was like umm the customer is right here would you like to talk to them and she said no, but i said yes, so the rep was like well the customer is here and would like to talk to you."credit rep" gets on phone and I said is this a verification issue because that is common with our apps and she said NO, and a letter will come to you in 7-10 days. she was rude and wouldn't say anything more so i just hung up.called little bit later to credit and he said it was denied but i can take a second look, then said no looks like it is declined and will stay.I was like I don't' get it at all... I know each of your cards have different underwriting but we just opened a $20k Lowes card, how can we go from $20k with one retailer to not even $500 store card with this retailer with PG.He said it's possible blah blah but let me look at something, I want to review to satisfy you.Comes back less than minute later saying you need to call this number which is verification (BINGO, what i said from beginning!)Called them this morning, they sent a text message with code and verified some address stuff and PASSEDBack over to credit (verification lady told me it was approved for $2k)get to credit and she keeps putting me on hold, asks a couple things, and more holds... says she is just trying to get to a decision... I was like I was told I was approved already.she said no im still processing... came back and said denied.I about went through the roof.she is like credit doesn't qualifyi was like i know you have this cute little computer that makes a lot of decisions for you but sync doesn't send applications to security verification that are not approved if security is passed and the previous rep did all that.she says "yes, and you did pass that but your credit doesn't pass.i was like that's the craziest thing i have ever heard of... the credit score is mid 700's and all my sync accounts are $10k+ limits and you say i don't qualify for a $500 sams club store card.she said you applied for mc not store, you would have to apply.i said, that's not how the sams club card works, you apply for mc and if not approved it counters store card.she said, okay and you don't qualify for either.I was like you are just saying stuff that you think I want to hear, you don't have a clue what you are talking about and I don't know what you did but the previous rep told me a credit line, not just approved but gave me a specific credit line, you get that lady back on the phone because I didn't spend 45 minutes on the phone this morning for you to mess this application up on your end!Comes back and says i see what your saying and it doesn't make sense so i need to connect with a supervisor who can overturn as I can't and see if anything can be done and call you back.I'll update after I hear back.... ughBoneheads at Synch. With a 25% APR, you would think that they would be giving away credit without check. If they did not have $7 double bottles of wine, I would never go there.

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    Good call!! Thanks a million. Glad I asked &amp; thanks for the quick response. I was getting frustrated. Thanks again!!!!!

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