GEMB CLI'S

[Anonymous]

I hear that they are they best for CLI's however that's not the case for me. WTH?

I've had a Gap card with a $200 CL since April of this year. Always PIF and I don't use much each time. Well not that you could with a $200 CL.

I have a Walmart card with them as well for $700 since June always PIF

I have a JC Penny's card with them for $300 since June always PIF

When do I get CLI's?

[jason86423]

Log into your accounts and request them.  Usually after every 4th statement cuts you can request a CLI. 

[AndySoCal]

With the GEMB card that I have it was around 6 months  when they increased it.  Creditors  want to see how you manage your credit. I would say six months is a minimum could be longer  in todays world..

[Anonymous]

I'll give it more time. Quick question. If a statement only cuts each month that you use the card do you wait for 6 statements? Or for 6 months? There are some months that I made no purchases so does that month not count without a statement?

[coldnmn]

What I have read on here, GEMB gives a pretty good auto or manual cli after 6 months. Then after the first cli you can ask for one every 4th statement. Then you may only get from $75-$125 cli after every 4th statment this adds up over time.

[clocktick]

From I've read and experienced firsthand, GEMB gives CLI off of SPs.  So why not just request them now?  I do know they want to see usage however.  They denied me until I really started using my Lowes card.

[Anonymous]

I may just try however I've been low on usage lately except for the Walmart card but that one has only been open since June.

[Creditaddict]

I rarely hear or see an auto CLI from GE... you can request every 4 months... it will be instant yes or no... if it says no keep hitting it each month until it gives you one then wait 4 months and do it again... but make sure you wait 4 months of usage each month... if you don't spend anything one month, I would wait 5 months so you would have 4 full months of use.

[tpatterson2k9]

I have a GEMB Sam's Club CC and am wondering if "usage" counts as basically just using it one time a month.  I only use this card at Sam's Club and I haven't been going there much lately, but I still charge at least one purchase a month on it.

[Anonymous]

I have two GEMB cards - Banana Republic and Lord & Taylor.  I got both on February 2010 and within a year the BR card went from $400 to $1000, and the L&T card went from $600 to $3300.  All have been auto CLIs.  My usage is sporadic - I tend to buy a bunch of stuff at the beginning of a season and then pay it off within a month or two.  But they've been great about CLIs for me, and I love the rewards and free shipping I get from being a "preferred" member on both cards.