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GECRB

Contributor

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
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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Message 1 of 28
27 REPLIES
Valued Contributor

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!


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 2 of 28
Community Leader
Valued Contributor

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! Smiley Happy


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, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 3 of 28
Contributor

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??


Take the FICO Fitness Challenge
Message 4 of 28
Contributor

Re: GECRB

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


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??


Take the FICO Fitness Challenge
Message 5 of 28
Senior Contributor

Re: GECRB

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 Smiley Wink

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Message 6 of 28
Valued Contributor

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?


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 7 of 28
Community Leader
Valued Contributor

Re: GECRB


crew99 wrote:

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


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. Smiley Happy


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, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 8 of 28
Senior Contributor

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
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Message 9 of 28
Contributor

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  Smiley Happy

 

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 Smiley Happy


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??


Take the FICO Fitness Challenge
Message 10 of 28