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Frequent Contributor
Posts: 317
Registered: ‎07-30-2008
0

GEMB

Is there a limit to having GEMB cards.  I just recently go 2 Gemb cards which is Lowe's and Kirkland's.  I just applied for a JC Penney's card and got the 7 to 10 day message.
2/01/09 TU 678 EQ 690 EX 655
06/12/2014 EQ 634/ TU 623/ EX 618
Valued Member
Posts: 41
Registered: ‎02-21-2008
0

Re: GEMB

I have about 6 GEMB cards.
Established Contributor
Posts: 697
Registered: ‎03-09-2008
0

Re: GEMB

For me, the max is 0. GEMB hates me and won't tell me why.
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Frequent Contributor
Posts: 317
Registered: ‎07-30-2008
0

Re: GEMB

I just opened Lowe's and Kirkland's this month.  I called the credit department at JC Penney's and they said looks like you are going to be notified by mail.  I wonder why I got denied.
2/01/09 TU 678 EQ 690 EX 655
06/12/2014 EQ 634/ TU 623/ EX 618
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: GEMB

You're not alone!:smileymad:

contractor wrote:
For me, the max is 0. GEMB hates me and won't tell me why.


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Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: GEMB

Someone posted that after opening too many GEMB accounts within a short time, they were denied because of Identity issues.
 
They advised, from the best I can remember, to call and ask for the "verificatoin department".
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Valued Contributor
Posts: 1,934
Registered: ‎10-23-2007
0

Re: GEMB

I was denied by GEMB when i applied for Lowes Card and they reason was identity issues (something with telephone) so then i called backdoor number and the lady said that everything was ok, to reapply and darn if they deny me again, for same reason! I gave up!
Regular Contributor
Posts: 242
Registered: ‎07-26-2008
0

Re: GEMB

They denied me for Old Navy and Walmart. Denied due to being unable to verify telephone number and identity. In the letter it said they did not use a CR to base their decision.  The Walmart one said it was based on information by Lexis Nexis. Yet, they still pulled EQ, so I am annoyed and plan to write them asking them to remove the inquiry, seeing as they "say" they didn't use a CR to make the decision.
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: GEMB

You gave permission for them to access your CR.
 
They didn't say they didn't pull it, they said they didn't use it in their decision.

siangirl34 wrote:
They denied me for Old Navy and Walmart. Denied due to being unable to verify telephone number and identity. In the letter it said they did not use a CR to base their decision.  The Walmart one said it was based on information by Lexis Nexis. Yet, they still pulled EQ, so I am annoyed and plan to write them asking them to remove the inquiry, seeing as they "say" they didn't use a CR to make the decision.



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Regular Contributor
Posts: 242
Registered: ‎07-26-2008
0

Re: GEMB

I think I have a good case. I've had other lenders have the same id verification problem and they DID NOT pull a CR, as they were not able to complete the application. I allowed them to pull my CR in order to consider me for credit with them. If they are not going to consider me for credit, based on their unwillingness to attempt to verify my identity, then they should not have pulled my CR.
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