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Valued Contributor
Posts: 1,065
Registered: ‎05-26-2010
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Does GEMB Blacklist?

I'm curious to hear whether anyone has gotten credit on a GEMB managed retail credit account after discharging them in BK.


I discharged a Men's Wearhouse account in BK.  So many retail and Gas Cards are through GEMB, I'm wondering if it would be worth risking a hard inquiry to apply for something like Walmart.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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New Contributor
Posts: 62
Registered: ‎09-01-2009
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Re: Does GEMB Blacklist?

I included JC Penney in BK .  Shows on my credit report as a GEMB card.  Anyhow, I have gotten other GEMB cc's since then, American Eagle and Dillards.   

Established Member
Posts: 36
Registered: ‎06-18-2010
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Re: Does GEMB Blacklist?

No they do not blacklist at all! I just got approved for JcPenney, 200 limit 05/2010, Walmart 1200 limit a few days ago and Chevron/Texaco Gas card all through GEMB. I am restablishing and actually I have a charge off for JcPenney and Walmart from 6 years earlier, scheduled to fall off next year from poor misuse of credit in college. I was afraid they would never give me another chance, but they have and they gave me a 1200 limit on Walmart !! Go for it!

Regular Contributor
Posts: 231
Registered: ‎08-07-2009
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Re: Does GEMB Blacklist?

My understanding is no they do not, but like many, I have blacklisted them!

-800 or Bust...!

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