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Established Contributor
Posts: 799
Registered: ‎09-27-2011
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Does GEMB/GE Capital Bank Limit Store Cards?

[ Edited ]

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 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.

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Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
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New Contributor
Posts: 82
Registered: ‎10-16-2011
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Re: Does GEMB/GE Capital Bank Limit Store Cards?

bumpitty bump


I'd like to know too!

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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.
Epic Contributor
Posts: 29,450
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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:





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

Frequent Contributor
Posts: 403
Registered: ‎01-10-2011
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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


Established Contributor
Posts: 842
Registered: ‎02-17-2011
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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 1.5K Amex HH 2k Amex PRG NPSL, AMEX BCE 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 16.5K Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7K Gap Visa $8.5K; Walmart MasterCard 7.5K Sam's Club MC 9.5K Venture $15K Venture One 10K Quicksilver Visa Siggy 5K, Citi Shell MC 2k, Total Rewards Visa 4.2K Fuel Rewards MC 3K CITI AA Gold WEMC 8.4K Paypal Extras MC 8K, Citi Diamond WEMC 3.5K, Cit DC WEMC 3k, Citi Hilton Visa Siggy 8k.
New Member
Posts: 1
Registered: ‎10-19-2008
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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


Regular Contributor
Posts: 147
Registered: ‎06-20-2011
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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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Frequent Contributor
Posts: 476
Registered: ‎09-12-2010
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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


FICO scores - 658 TU(Walmart)/ 663 EX(Amex app)/ 658 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($1,100), Discover IT($4,000), Chase Freedom($1,500), Fidelity VS($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000), Paypal Extras MC($5,750), Chase Amazon VS($700),Capital One Cash Rewards($3,500), Best Buy Store Card($1,900), HHGregg($4,000), Chase CSP($8,000), CHASE FU($4,500)
Established Contributor
Posts: 577
Registered: ‎11-13-2008
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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.

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