Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 177
Registered: ‎10-02-2012
0

GE is not always great...

So last weekend, I received a pre-qualified letter for Sam's. I call and am approved for the store card with a $600 CL. Cool, so I head down to the club the next day to get my new card (the membership card is your CC)...the woman helping me calls GE because she can't find the approval in the system. As she's on the phone, she runs my credit again, even after I told her not to run anything. Of course it is denied since I already had an approval from the day before. The person from GE can't figure out why the approval isn't showing up...they finally determine that the CSR who took the original app over the phone the day before had entered my membership number incorrectly, and this cannot be fixed. He tells me it will take 48 hours to figure it out. Fast forward 48 hours...my membership card has by this time been reported lost/stolen, so I call GE again to see what they have found out. After 45 minutes on the phone, the CSR's answer is to go back to the club and reapply for credit...it will get referred, and then they can fix it. I am not about to app again for a 3rd time.

 

I go back to the club, tell this ridiculously convoluted story, and a very helpful girl at Sam's called GE for me again and gets a manager on the phone. According to her, I have an approved credit line of $800, but I can't have it because it's not attached to an accurate membership #...what?! HER solution is to remove all record of the app and HPs from the CRAs to delete the account, and then I can app again. This should take 30 days or so.

 

So to recap...I have an $800 credit line at Sam's, but I have no credit line at Sam's. GE admits it is all their fault, but can't do anything about it. I did get a $25 gift card from the manager at the club for my troubles...it bought enough beer to get me calmed down enough to alleviate the aneurism I could feel building in my brain from trying to process the level of incompetence someone must possess to screw something up this badly.

Moderator
Posts: 27,204
Registered: ‎09-13-2012
0

Re: GE is not always great...

Unbelievable! I would be beyond pissed. Question, since you app'd twice - I assumed they did HP's are they removing those inq's?

Regular Contributor
Posts: 177
Registered: ‎10-02-2012
0

Re: GE is not always great...

They said they would remove the inqs...we'll see.

Regular Contributor
Posts: 155
Registered: ‎06-20-2012
0

Re: GE is not always great...

sorry to hear about this fiasco! dealing with CSRs who dont have answers is always frustrating! at least you got the beer! Although you could have bought a whole lot more with an 800 limit sams card

Regular Contributor
Posts: 226
Registered: ‎10-25-2010
0

Re: GE is not always great...

[ Edited ]

I understand your frustration, but considering how it is being handled (assuming it works out) I commend GE for being so helpful. You don't even know the hoops I've had to jump through with other creditors for them to fix their mistakes. I'm not saying I'd be happy, but I'd take their $25 GC and willingness to correct so quickly vs 2 inquiries on my report for 2 years & snotty attitude.

 

Just trying to throw a positive perspective on a otherwise crappy situation. Smiley Happy


Starting Scores: 667 EQ 09/2013 | 682 TU08 01/2014 | 689 EX 06/2014(via AMEX CLI)
Current Scores: 667 EQ 09/2013 | 728 TU08 05/2016 | 731 EX 05/2016

AMEX BCE $25K | AMEX Zync NPSL | Cap1 Quicksilver MC $4.9K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | Target Visa $7K | Comenity VS $6K | Walmart $4.5K
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: GE is not always great...

Wow...yea that sucks but at least they are trying to fix it by basically starting over at ground zero.  What would be really bad is if they said that they couldn't or wouldn't do anything about it.  But at least you got some beer out of the deal....I would have needed it too....and some hard liquor as well Smiley Frustrated.

 


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Frequent Contributor
Posts: 273
Registered: ‎10-04-2009
0

Re: GE is not always great...

I had an issue opening my Sams card too, but they eventually got it working correctly.

 

I too was told to reapply several times throughout the process. It seems once the application gets to a certain stage in their system, underwriting can't do anything. But if you reapply and it gets automatically referred and put in pending, then it's "available" for them to do whatever they said they would do. I had it denied, approved but not showing, denied again, approved and attached to someone else's account (a person who came in for a replacement card while someone was on hold and they screwed up something), approved and showing under my membership but the computer wouldn't print the credit card just a normal one, etc.

 

In my case, it all worked out like they said it would -- and other than my time wasted in the store inquiries and reporting and all that were either correct from the beginning or fixed without further action on my part.

 

i had issue with Sams, not GE. everyone I spoke with at GE was embarrassed, polite, and trying to be helpful. I had the entire management staff of the Sams club trying to help me at one point or another and each one proved they either knew nothing or cared. A lone front line CSR stayed helping me after her managers gave up and between the three of us (GE on the phone) we were able to figure out the very simple issue that the manager should have known about.

Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0

Re: GE is not always great...

Wow, sorry to hear about this mess. Hopefully it will work out in the end, keep us posted!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Valued Contributor
Posts: 1,441
Registered: ‎01-14-2009
0

Re: GE is not always great...

This is why I prefer to fill out apps myself online.

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: GE is not always great...

that's horrible.....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.