well, i applied for the dillards and walmart card, and was denied for both. i'm wondering, what does gemb look for? i've done all that i can do as far as repair, i've dv, pfd, and disputed everything that i possibly can. oh well, it's their loss. i just won't apply for any cards backed by gemb, since they obviouslly don't want my business.
GEMB didn't approve me until the point where all the baddies on my Equifax report were marked as "paid." I had a 679 FICO when they started approving me. Now, I have many GEMB cards which I use a lot. I think you can probably get in with low to mid 600's, no recent baddies & everything showing as paid.