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GE max card amount??

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Scorpiion
Established Member

GE max card amount??

Does GE have a maximum on how many cards they will approve you for at a time? They approved me for AE and JC Penny but denied me for Toys R Us...what gives?? I know a couple months ago they approved me for an Old Navy Credit Card and I've had a Walmart card with them for a year now. Any thoughts? It appears that it may be two at a time or something...i really don't know.

Message 1 of 15
14 REPLIES 14
Shogun
Moderator Emeritus

Re: GE max card amount??

Good question.   I'd like to know the answer for this one.  Perhaps they won't approve because it's too many too fast. 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 15
09Lexie
Moderator Emerita

Re: GE max card amount??

Some have posted success in getting more than 2 during a spree without any problems. However, some have also been approved for multiple ccs and when gong to activate the cc's they were all closed.

Personally, I have only gone the 2 at a time route.
Message 3 of 15
TrishN
Established Contributor

Re: GE max card amount??

they approved 4 cards for me in 1 week. total 6 GE account

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 4 of 15
CreditExpressNJ
Established Contributor

Re: GE max card amount??

ive done 5 in a two day period...
CH7 Filed (3/29/17) - 483 EX 516 EQ 517 TU Discharged (5/31/17) - 559 EX 538 EQ 501 TU Current (1/18/22) - 690 EX 683 EQ 671 TU
Current Cards

Message 5 of 15
LS2982
Mega Contributor

Re: GE max card amount??

GE has been a little flaky lately the past yr on new accounts.

 

IMO I would go no more than 2 in a 6 month span.




EQ FICO 548 3/3/16
Message 6 of 15
BearsAndTurtlesRtheBest
Senior Contributor

Re: GE max card amount??

Last year my sister got approved for 4 GE accts, and after 5th app the denials started to come up.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 7 of 15
atarvuzdar
Established Contributor

Re: GE max card amount??

Yeah, I did 4 in a day last September. Had to call in to verify who I was after the 2nd approval and had some very personal questions to answer. Added a 5th GE account this past Spring with no issues and will probably try to add another after my 4 accounts from September age to 1 year.

FICO 8: EQ 846 / TU 836 / EX 832
AMEX Platinum / BofA Cash Rewards Visa Sig $99,900 / Chase CSR $43,400 / Citi Double Cash $39,600 / AMEX EveryDay $30,000 / Discover It $26,000 / Gemini $25,000 / JetBlue $25,000 / Chase Freedom Unlimited $22,500
Message 8 of 15
CreditCrusader
Valued Contributor

Re: GE max card amount??

I went on an app spree post-home closing in April and got the following GE cards in a two-day span:

 

Ashley Furniture - instant approval online

AE VISA - instant approval online

Toys R Us MC - had to call in for this one

TJ Maxx MC - instant approval online

Amazon - instant approval online

Shop NBC MC - they called me to verify this one...weird

Lowes - instant approval online

 

All $1,000+ limits...all still open with those limits to this day (Though to be fair, I have only used the Lowes card to date Smiley Happy )

 

Edited to add:

 

For those interested in a Lowes card, whatever the initial limit they give you is, they day you want to make a significant purchase (lawnmower, lots of paint...whatever), call the backdoor number and ask them to bump up your limit...no matter how long you have had the card. They initially gave me $1,500. I called them telling them I had closed our house and was buying a riding lawn mower and needed an increase so as to not eat up all my available credit.

 

She asked me how much i needed. I said $5,000 would be ideal. She immediately upped it to $5,000. I had the card for maybe a month up to that point Smiley Happy

 

In my wallet: Apple $5,000, local CU $15,000, Bread AMEX $5,000. In my sock drawer: A few other cards Smiley Happy

Current scores (EQ, EX, TU): 787, 788, 796
Message 9 of 15
tryingagain62
Contributor

Re: GE max card amount??

I was approved for a Chevron, Gap, Walmart, and Lowes card in two days with scores in the low 600's.

Message 10 of 15
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