01-01-2009 11:04 PM
If there is a chapter 7 bk on my report will I be banned from any GEMB accounts until the BK is completely off my report or does it just depend on my credit report?
Has anyone gotten a GEMB account with a discharged chapter 7bk present?
01-02-2009 06:17 AM - edited 01-02-2009 06:19 AM
01-02-2009 12:41 PM
I too had a bk in 2004 I have gemb cards but there were some I was denied for, but know i realize it's ok bc i dont need any adl cards, i app'd for these in early spring/summer when i was approved for some of the others..but i've just come to the realization i think some gemb cards have stricter approval policies or require higher scores etc than others
01-02-2009 01:43 PM
I have been interested in getting department store cards like Walmart, Old Navy, Discount Tire, Gap, and the ebay mastercard, etc. Would you mind telling me which ones were approved and which ones were not? Also I applied for Dillards.
01-02-2009 06:07 PM
01-03-2009 07:54 PM
I had a Ch7 BK in 9/2005 (discharged 1/2006). In June 2008, I applied for a Walmart Discover card (based on a recommendation from the "BK Friendly Credit Cards Listed" thread) and was approved for a $900 line. Six months later, I was able to get a CLI from $900 to $1650.
So to answer your question, yes, GEMB gave me credit despite the BK.
Curiously, GEMB also offers a Meijer MasterCard and when clicking on the link to apply for that card, at the very top of the application, it says that anyone who's had a BK should not apply for that particular card. Weird. (And a shame, considering I shop at Meijer a lot more than I do at Walmart.)
01-04-2009 08:13 PM - edited 01-04-2009 08:17 PM
My BK 7 was discharged Mar 05 and I have Old Navy 550, Gap 550, WalMart Discover 2K, Paypal 500, and I THINK that's all of my GEMB cards.
They seem to be a bit stingy with CLI, but I really don't care too much. I have had the PP line of credit for 15 mos, Gap and Old Navy since 4-08 and WalMart since 8-08
OOPS!! Missed one! JC Penny's CL 550 since 4-08.
We are finally homeowners!!
Closed May 5th-30 yr fixed at 5.25%.
01-04-2009 08:25 PM
What if you included a GEMB account (or a few...) in a CH 7 bankruptcy? (IIB) Can anyone specify if this will keep them from approving you for a new account?
Hope this is right place to ask - first time posting on forum after reading for a bit.
EX = 650
EQ = 655
TU = 611
02-09-2009 05:31 PM
Well my original question is solved. I just got approved for a GEMB/Dillards card with a TU Fico of 629. The thing that I don't get is that I applied for a Walmart, JCP, and Old Navy card the same day, and the only one I was approved for was the Dillards card.
Any ideas why I would be approved for one GEMB card and not another? Is there some kind of limit?
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