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Does GEMB/GE Capital Bank Limit Store Cards?

Established Contributor

Does GEMB/GE Capital Bank Limit Store Cards?

I currently have the GEMB CareCredit ($800 CL), Wal-Mart ($600) and JCP ($200 Smiley Mad ), 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.

 

Any thoughts?

 

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'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
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Message 1 of 18
17 REPLIES
New Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

bumpitty bump

 

I'd like to know too!

Licensed REALTOR in the state of Georgia - "Far and away the best prize that life has to offer is the chance to work hard at work worth doing" Theodore Roosevelt


Message 2 of 18
Moderator Emeritus

Re: Does GEMB/GE Capital Bank Limit Store Cards?

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.

Just puttin' syrup on something, don't make it pancakes.
Message 3 of 18
Epic Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

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:

Gap

Carecredit

AF

AE

TJ/Max... feel like im missing some ill check my CR, I'm auth or joint on all of them.

Message 4 of 18
Frequent Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

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

 

Message 5 of 18
Established Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

Let see:

 

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

 

 

Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 6 of 18
New Member

Re: Does GEMB/GE Capital Bank Limit Store Cards?

I also have a few GEMB accounts:

 

paypal $500

care $1000

jcpenny $1800

Walmart $850

 

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 generousSmiley Happy

 

Message 7 of 18
Regular Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

They don't limit the number of cards you have with them. Between me and my husband we have over 10. However they will turn you down if you apply for too many at once. It sends up a red flag. Establish a good history with them and you should be able to get whatever you want! They are very generous!!!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


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Message 8 of 18
Frequent Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

i doubt there is a limit i have several that ive gotten over the past 2 years

 

walmart- 1,650

amazon- 750

chevon- 650

paypal- 2100

hhgregg- 2000

 

amazon
Message 9 of 18
Established Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

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.

Message 10 of 18