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.
I'd like to know too!
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.
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.
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
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
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
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.