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crew99
Posts: 77
Registered: ‎12-01-2012
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GECRB

So I was thinking about applying for the walmart card, since it's through GECRB, if I apply for any other cards offered through their network, would it all be one hard inquiry or each application is separate?


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
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daybreakgonesXe
Posts: 1,864
Registered: ‎11-17-2012
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Re: GECRB


crew99 wrote:

So I was thinking about applying for the walmart card, since it's through GECRB, if I apply for any other cards offered through their network, would it all be one hard inquiry or each application is separate?


Each application is separate, but be careful! Opening multiple GECRB accounts in a short time period may cause them to close out ALL the accounts shortly after approvals!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 718 TU 733 Credit Karma (TU) 785 Transrisk 809/990 Credit Sesame (EX) 766 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
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improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
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Re: GECRB


crew99 wrote:

So I was thinking about applying for the walmart card, since it's through GECRB, if I apply for any other cards offered through their network, would it all be one hard inquiry or each application is separate?


Hey crew99!

Welcome to the forums!  Just a very good rule of thumb.... Any app=HP. Either for a CLI or new CC.  If it doesn't result in one, Congrats!  But to answer your question, yes it will be a HP for every new app.  Hope this helps! :smileyhappy:


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

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Contributor
crew99
Posts: 77
Registered: ‎12-01-2012
0

Re: GECRB

wow yah I just read the post below mine...that's crazy....but maybe like 2 would be ok? I was thinking of getting the amazon or paypal one as well


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 725 12/1/14 | CS 775 12/1/14 | myFico(EQ) 753 12/2/14
Goal Score: 800 Dare I Dream??


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crew99
Posts: 77
Registered: ‎12-01-2012
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Re: GECRB

Thanks improvingmycredit, I hope to get my scores up to your range one of these days!!  :smileyhappy:


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 725 12/1/14 | CS 775 12/1/14 | myFico(EQ) 753 12/2/14
Goal Score: 800 Dare I Dream??


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BearsAndTurtlesRtheBest
Posts: 3,690
Registered: ‎10-02-2012
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Re: GECRB

[ Edited ]

Also!! if you apply for four credit cards issued by GE and are approved you will not get approved for the 5th card in another words after your 4th app with GE you will begin to see denials after 6 months then you can apply for other GE cards if you want. I am not sure why it happens, I just wanted you to be aware of that :smileywink:

Valued Contributor
daybreakgonesXe
Posts: 1,864
Registered: ‎11-17-2012
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Re: GECRB


crew99 wrote:

wow yah I just read the post below mine...that's crazy....but maybe like 2 would be ok? I was thinking of getting the amazon or paypal one as well


I would give it at least 6 months between apps just to play it safe...some of the previous threads mention one a year, but some people slide through the cracks and can get two at the same time with no negative effects...hopefully someone can clarify this or give their own personal experience?

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 718 TU 733 Credit Karma (TU) 785 Transrisk 809/990 Credit Sesame (EX) 766 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
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improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
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Re: GECRB


crew99 wrote:

Thanks improvingmycredit, I hope to get my scores up to your range one of these days!!  :smileyhappy:


Thanks!!!   I don't know what your FICO is but if you elaborate on your credit profile a bit, you will probably get some good advice on the best bang for your FICO buck with regards to what to app/not to app.  CCs, limits, FICO, AAoA, baddies, utility - would be helpful.  FYI, apping 2 GE cards won't be a problem as long as you qualify to begin. :smileyhappy:


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: GECRB

Hmm... I apped and was approved for Chevron for $700 Paypal MC for $2,000 and Amazon for $1200 on the same day.. I got denied for World Market... The fourth app. This was like in Jan of this year. I keep all of my GECRB cards at 0 bal mostly and pif. Easy credit, but rates are highhhh Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
crew99
Posts: 77
Registered: ‎12-01-2012
0

Re: GECRB

Well I just got approved, except it didnt give me an option to choose discover or the walmart credit card....

$500 is not a bad CL to start I guess....gonna wait a few and then start the CLI  :smileyhappy:

 

I'm gonna see about the second application, but definitely gonna do it quickly so I can rest up and let the inquiries fall off together.  

 

Will put some more info on my signature here in a bit so I can track my progress :smileyhappy:


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 725 12/1/14 | CS 775 12/1/14 | myFico(EQ) 753 12/2/14
Goal Score: 800 Dare I Dream??


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