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Established Contributor
chasmith
Posts: 1,016
Registered: ‎05-26-2010

Does GEMB Blacklist?

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‎07-16-2010 07:10 AM

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 Gardening since 10/6/2012

Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 4/2/2011 EQ 682 1/14/2011 TU 665
Current Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Goal Score: EQ 700 TU 700
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startover03
Posts: 62
Registered: ‎09-01-2009

Re: Does GEMB Blacklist?

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‎07-16-2010 07:28 AM

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.   

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Established Member
Shanm1981
Posts: 36
Registered: ‎06-18-2010

Re: Does GEMB Blacklist?

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‎07-19-2010 08:30 PM

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!

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Regular Contributor
-RED
Posts: 231
Registered: ‎08-07-2009

Re: Does GEMB Blacklist?

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‎07-19-2010 10:40 PM

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

-800 or Bust...!
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