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Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

Re: GE Capital

I also think there would be a better chance at 650+....

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Regular Contributor
Zelaya
Posts: 166
Registered: ‎03-05-2013
0

Re: GE Capital

Amazon credit card is also issue by GE Capital retail bank and application states you have to be clear from bankruptcies so is jewelry account are underwrite differently than a credit card by GE, just curious. I'd like to know if they re BK friendly as Barclay

Established Contributor
bk510
Posts: 753
Registered: ‎03-27-2013
0

Re: GE Capital

@09Lexie

 

what type of sony card that u have from GE?

 

cz  i have sony visa reward card from cap1.....had it since april.


BK 7 Discharged 6/12 (Burned Amex, Chase and Citi)
Order of approvals...
Valued Contributor
indiolatino61
Posts: 1,483
Registered: ‎11-10-2012
0

Re: GE Capital


Zelaya wrote:

Hello, I'm considering buying a watch and would like to finance 50% with no interest for 12 months, does anyone know if they're BK friendly and what fico score is needed. Also what bureau do they use. If anyone has applied for GE Capital products please give me your thoughts with cons and pros.


AFAIK, GE is not too harsh with BK, as long as it is "old."  I would think mid 600's would be good as a score. GE pulls TU, mostly. Good luck to you!

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Frequent Contributor
Countingpennies
Posts: 465
Registered: ‎02-14-2013
0

Re: GE Capital

I'm just over 6 mos. from BK7 discharge. TU fakos are 650-665 (haven't had a TU denial letter recently, don't know Fico.) I applied a few months ago for Walmart (GE) and denied, hit the post-6 month mark a few days ago, and tried again yesterday. Approved for Walmart $400, then approved for Amazon $600, then 7-10 day msg. for TJX. All 3 were TU pulls.

You could test the GE water with Walmart, it's worth it for the free Fico if approved.
Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

Re: GE Capital

@bk510

I have the Sony Financial Services backed by GE. I got it on Mar 9, for the specific purpose of using the 36 mo -0% APR for 2 TVs I purchased. I did not app for the Visa for 2 reasons- they weren't offering the 0% promo and I personally don't care for Cap 1.
Frequent Contributor
oscar_actuary
Posts: 310
Registered: ‎03-25-2013
0

Re: GE Capital

[ Edited ]

While this board seems to have only love and support 94% of the time.  Let me offer the idea that perhaps wanting to finance a watch over 12 months is not unrelated to your current credit score?

 

I'm curious to know - or more precisely - curious if you know your net worth and monthy cash flow.  Your problem may go well beyond worrying about which report GE pulls.

 

edited 'cause I am a bad typist

FICO EX 807, 2014 Nov. FICO TU08 800, 2014 Oct.

BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k


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