02-26-2008 09:05 AM
02-26-2008 09:27 AM
02-27-2008 08:32 PM
I have decided to stay healthy so I can enjoy the benefits of the new credit. So I ordered a TreadMill on HSN.When I was placing the order, it said I am preapproved for HSN Card. I took a pass on the card, I dont want to add new inq or accounts at this time.Does any of you have experience with HSN Card? Looks like it is issued by GEMB. I am not sure how good they are with CLI and Service. Any thoughts?
02-27-2008 08:37 PM
Hi Hauling, I didnot apply for the card, I did not even think about apping. I was just curious. I have enough cards to last life time. If I apply for any personal card it would be Discover once my scores reach mid 700's.
concorduser wrote:I have decided to stay healthy so I can enjoy the benefits of the new credit. So I ordered a TreadMill on HSN.When I was placing the order, it said I am preapproved for HSN Card. I took a pass on the card, I dont want to add new inq or accounts at this time.Does any of you have experience with HSN Card? Looks like it is issued by GEMB. I am not sure how good they are with CLI and Service. Any thoughts?
Hi, concord--by now, you know my opinion of GEMB, and it isn't good.
It's always fun to be asked to app, but a lot of times, it's not worth fooling with. When I popped up at the Lowe's counter and asked them to activate my Home Depot card, lol, they asked me to app for the Lowe's card, which is GEMB. Despite my mortified embarssment, I declined.
By now, I think that you probably have enough credit that you can stop app'ing just for the sake of having another account, and just go for the ones that you want to have for the next 5 or 10 years.
This is the sniper/ sharpshooter approach, as opposed to the machine-gun approach!
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