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Frequent Contributor
wreith
Posts: 325
Registered: ‎06-13-2012

GECRB GEMB same thing?

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‎08-22-2012 02:31 PM

Is GECRB and GEMB the same company?  I apped for the paypal MC and got the smart connect instead.  I got my letter in the mail and it said my score was 457 from a range of 300 to 620 source GECRB, I'm assuming that's an internal score as my TU is much higher.  Is there a back door number for them to recon?  Does the smart connect graduate to the paypal MC?  How are they with CLI's if I'm stuck with it?  They gave me 500 so I am happy with that, would have preferred the MC.  Thanks for any help or information.

03/07/2013 Walmart TU 702
03/07/2013 MyFico EQ 694
01/28/2013 USAA FAKO EX 728, EQ 715, TU 703
In my wallet Discover It $1200, USAA Cash Rewards AMEX $7K, USAA Rewards Platinum MC $7K, CareCredit $3K, Chase Freedom $1400, Walmart $2300, Lowes $800, HSN $1450, Macys Red Star Store $1800, Paypal smart connect $600, VS Angelcard $500, Amazon Store $1200, AMEX Green NPSL, BCE $1K.
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Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010

Re: GECRB GEMB same thing?

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‎08-22-2012 02:33 PM

Smart Connect does not graduate into MC. You have to apply again down the line.

 

GECRB = GEMB. GE does not use FICO score, but use their in-house credit score.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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Senior Contributor
Wolf3
Posts: 3,178
Registered: ‎01-24-2010

Re: GECRB GEMB same thing?

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‎08-22-2012 02:42 PM

wreith wrote:

Is GECRB and GEMB the same company?  I apped for the paypal MC and got the smart connect instead.  I got my letter in the mail and it said my score was 457 from a range of 300 to 620 source GECRB, I'm assuming that's an internal score as my TU is much higher.  Is there a back door number for them to recon?  Does the smart connect graduate to the paypal MC?  How are they with CLI's if I'm stuck with it?  They gave me 500 so I am happy with that, would have preferred the MC.  Thanks for any help or information.

 

They have been good with CLI for me.   I have never heard anyone get graduated to the MC.   You can not even apply for the MC if you have Smart Connect.

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Frequent Contributor
wreith
Posts: 325
Registered: ‎06-13-2012

Re: GECRB GEMB same thing?

[ Edited ]
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‎08-22-2012 02:49 PM - edited ‎08-22-2012 02:52 PM

First post was missing body
trumpet-205 wrote:

Smart Connect does not graduate into MC. You have to apply again down the line.

 

GECRB = GEMB. GE does not use FICO score, but use their in-house credit score.


Thanks.  I guess since I have opened a few GE backed accounts in the last 3-4 months they are wary of overextending to me.  I have a Walmart, Lowes, CareCredit, and now the Smart Connect.  I guess I should be happy it wasn't a flat out denial, and it does add to my credit pool lowering my overall Utilization.

03/07/2013 Walmart TU 702
03/07/2013 MyFico EQ 694
01/28/2013 USAA FAKO EX 728, EQ 715, TU 703
In my wallet Discover It $1200, USAA Cash Rewards AMEX $7K, USAA Rewards Platinum MC $7K, CareCredit $3K, Chase Freedom $1400, Walmart $2300, Lowes $800, HSN $1450, Macys Red Star Store $1800, Paypal smart connect $600, VS Angelcard $500, Amazon Store $1200, AMEX Green NPSL, BCE $1K.
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Valued Contributor
jsucool76
Posts: 2,658
Registered: ‎12-11-2011

Re: GECRB GEMB same thing?

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‎08-22-2012 03:51 PM

PPSC isnt that bad. I just linked it up to a paypal debit card. Only issue is how long it takes for your avaolable credit to jump back up after a payment. I made a payment on the 16th amd my available credit is still not updated, as opposed to cap1 who does it the day after payment posts.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
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