Credit Card Center Advertiser Disclosure†
11-16-2011 10:04 AM - edited 11-16-2011 10:08 AM
I currently have the GEMB CareCredit ($800 CL), Wal-Mart ($600) and JCP ($200 ), but I was denied by Meijer very shortly thereafter and I'm wondering whether GEMB places a cap on how many of their cards they will allow you to have. I'd very much like the Amazon.com store card for and its terrific no-interest deals for the holiday season, but wonder about whether GEMB cuts off potential applicants after a time.
Edited for additional question:
Also, who does GEMB/Amazon store card pull? I have read varying accounts where they stray from TU and pull EQ.
11-16-2011 11:10 AM
I'd like to know too!
11-16-2011 12:13 PM
I've had three GEMB cards (Walmart, JCPenneys, Dillards) and they've all pulled EQ.
DH had Care Credit and they pulled EQ for him as well.
Maybe it depends on where you live.....
Hopefully someone more knowledgeable will chime in about number of cards GEMB allows.
11-16-2011 01:24 PM
I don't think they limit just like WFNNB (however if you apply all in one day you run some risks, think concorduser can share that?)
Lets see my friend has:
TJ/Max... feel like im missing some ill check my CR, I'm auth or joint on all of them.
11-16-2011 01:43 PM
I have several GE store cards and they have all pulled TU (in Michigan). I have been denied for the meijer card twice.. seems to be a stickler. Denial first was due to a BK (7 year old) reporting and the 2nd time was for AA of Accounts 3 yrs. Below is a list of GE store cards I have with the latest being Lowes, May of this year. To me they may have some time of "max exposure" limit but not on accounts.
JCP- 2800 limit
Amazon- 3800 limit
QVC- 3200 limit
Lowes- 1800 limit
Lord & Taylor- 1000 limit
ABC Warehouse- 2500 limit
Walmart- 1950 limit
Sams Club - 8500 limit
11-16-2011 03:49 PM
American Eagle Outfitters- 300 CL
Banana Republic- 400 CL
Chevron- 500 CL
Gap- 200 CL
Old Navy 200 CL
JcPenny 500 CL
Pay Pal 500 CL
Walmart 375 CL
11-28-2011 03:46 PM
I also have a few GEMB accounts:
I opened my JCPenny card in August and it only had a limit of $150. It was my lowest limit by far but I just want access to their exttra coupons. I used it the first time this month for an $85 purchase. When I made this purchase I finally registered for online account access. About a week ago I went online to pay the balance and after I made my payment I saw the request increase button so I figured why not. They increased my limit from $150 to $1800.00. Quite a jump! Last month I hit the love button on my walmart card and went from $450 to $850. Guess GEMB is feeling generous
11-28-2011 09:28 PM
11-28-2011 10:16 PM
i doubt there is a limit i have several that ive gotten over the past 2 years
11-29-2011 03:55 AM
If you are applying for all the GEMB cards at the same time they must certainly
will limit you and probably auto decline you for the third and beyond..
Maybe some fraud preventation mechanisms.
I remember because I had a JCP, apped for QVC, Paypal, and got approved. Then went for a GapCard, DENIED. Waited
30 days and approved. So YMMV. I dont have many GEMB cards anymore.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.