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Epic Contributor
Creditaddict
Posts: 22,132
Registered: ‎10-23-2007
0

Gap Application Denied online... Recon a big no

Out of all the GE cards!!! Anyway I'm sure most of you are shocked that I applied for yet another GE Card.

Anyway customer service won't even really talk about... same as always, she kept telling me they have no phone number to transfer to underwriting and that customers can't talk to them... I simply said you are wrong and when I hang up with you I will call this number I have in front of me that connects me direction to underwriting in the states.

 

Call in, she says it was already manual review and the code on app is a code they can not override... My ears purked right up... Code you say?

So guess I should have wrote them down, they have 3 codes they can override.

I thought my app was auto declined in computer, she said no it pushed to manual and that was declined and for whatever reason it got the code to not look again or talk with me about it.

I asked about why since I had luck with so many GE cards... I asked if that had anything to do with it and if GE had max number of cards allowed considering how many stores they service.

She just said no and said the only thing i can tell you is your score is to low.  Well my score from here yesterday was a 655 and also on my denial letter for Barclay CLI was also 655.

I just thanked her... clearly I got 8 other GE cards, 655 is not to low and clearly we have seen many posters on here in the barely over  600 get cards... so blah.

Fico Scores: EQ- 656 Cap1., TU 696 Walmart, EX 700 Chase (12-17-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
0

Re: Gap Application Denied online... Recon a big no

Which GE card was it?
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Established Contributor
2NE1
Posts: 1,002
Registered: ‎12-06-2011
0

Re: Gap Application Denied online... Recon a big no

I believe the title says GAP.

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
0

Re: Gap Application Denied online... Recon a big no

DOH!
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Frequent Contributor
JenniferinFL
Posts: 408
Registered: ‎03-16-2012
0

Re: Gap Application Denied online... Recon a big no

I would bet there is an internal limit for how many GE cards you can get in a set amount of time. WFNNB denied my last two card apps. I have 5 of their cards, which I got when my score was 50 points lower, but now I'm getting declined. I'm just gonna wait a year and then go for another crazy app spree.

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Regular Contributor
psychoinhell
Posts: 565
Registered: ‎06-12-2010
0

Re: Gap Application Denied online... Recon a big no

No limit on GE cards, since each card represents a different store's interest.  I have 5 GE cards right now.  I honestly do not see myself getting anymore.  I looked at the stores they underwrite and I already have the ones I do any shopping at.  Well at least in my area, now if I move this could change :smileyhappy:


Starting Score: 600ish in 2007
Highest Score to date: EQ 716 May 2012(lender pull)
Current Score: EQ 685 6-21-12 ; Walmart TU Fico 744 6-05-12
Goal Score: 801
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Gap Application Denied online... Recon a big no

I wish GE had a decent gas card.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: Gap Application Denied online... Recon a big no

I regret having two Citi cards, 8 would give me agita. :smileyhappy: I worry about being in a position where cancelling the accounts would hurt too much if the company made a policy change that was annoying.

 

@CA,

 

Keep plugging away! Someone will say yes!!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Gap Application Denied online... Recon a big no

[ Edited ]

ok i was going to upload a pic to help you out lol but cant figure it out. anyways sorry about your denial i just recently had to go through with one with walmart 

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Frequent Contributor
snowangel
Posts: 291
Registered: ‎07-29-2011
0

Re: Gap Application Denied online... Recon a big no

Don't know if this is helpful?

 

http://www.chevrontexacocards.com/


LS2982 wrote:

I wish GE had a decent gas card.


 



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14

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