How do I apply for the Sam's Club Credit Card?

You’re going to want a 700+ credit score for Sam's Club Credit Card approval. That’s in the good credit range but barely meeting a card’s minimum requirements is far from the ticket to high approval odds.

You’ll need income to make your payments, and Synchrony Bank (the issuer) will look at lots of other factors, too. They’ll consider your debt and the number of cards you already have, for instance.… read full answer

Yes, Synchrony Bank, like any other issuer for that matter, will do a hard pull when you apply for a credit card. Most Synchrony Bank credit cards require fair credit to apply, but the credit score effects should be negligible.

More specifically, a hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage … read full answerhere.

Only pre-approved offers from credit card companies don't do a hard pull. But none of the cards Synchrony currently offers have pre-approval. And even if you were pre approved, you'd still have to actually apply and have a hard pull anyway.

You can't really know what credit bureau is used for the Sam's Club credit card, no lender really discloses which bureau they use. Some use just one, some use two, some even pull all three reports. It really comes down to your state, and even your town.

That being said, with 700 you're just about at the limit for it. You need around 700 for this card to get good approval odds, but obviously your whole report will come into play.… read full answer