I'm SO pissed at GE/sync!! Rant alert!!!

[12njoy]

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@pizza1 wrote:
Ok everyone..... I've had time to process my rant, lol. I AM very greatful for the second chances, and I am very lucky to have the cards I do soon after bk. My BK was discharged in August 2013, and I started getting approved for cards early October. Though I didn't have a choice really about my bk, what's done is done. I know that it's going to take time, and patience on my part, an understanding. I'm very impatient sometimes, and that I need to work on. I'm keeping the cards, lol!!

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I never doubted you would keep them for a minute

[weehoo]

GE is a horrible company.  

[eagle2013]

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@pizza1 wrote:
Ok everyone..... I've had time to process my rant, lol. I AM very greatful for the second chances, and I am very lucky to have the cards I do soon after bk. My BK was discharged in August 2013, and I started getting approved for cards early October. Though I didn't have a choice really about my bk, what's done is done. I know that it's going to take time, and patience on my part, an understanding. I'm very impatient sometimes, and that I need to work on. I'm keeping the cards, lol!!

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You've done a fabulous job thus far. I didn't have a BK, but a CO so I can relate to the frustrations. The difference between you and me is that you're rebuilding very quickly after the deragatory - which is the absolute best thing you can do even though they can be stubborn at times! Good luck!

[eagle2013]

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@weehoo wrote:

GE is a horrible company.  

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GE/Syncrony serves its purpose and they are BK/baddie friendly. They have useful "store" cards (Walmart, Amazon) with no outrageous AFs like FP. Also have perks like a free monthly FICO score which is imperative for rebuilding. 

[12njoy]

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@eagle2013 wrote:

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@weehoo wrote:

GE is a horrible company.  

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GE/Syncrony serves its purpose and they are BK/baddie friendly. They have useful "store" cards (Walmart, Amazon) with no outrageous AFs like FP. Also have perks like a free monthly FICO score which is imperative for rebuilding. 

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Ditto.  They were the first unsecured card I received in 2013 to start my rebuild.  A year later and I have all the major players with the exception of CITI (I burned them so that will never happen).  GE has been very good to me.

[pizza1]

Agreed! I may not like the fact that they are very gun shy about giving me high limits again and so soon after BK, but they did give me 5 cards back, the same ones I burned in bk and a new one(amazon). I am grateful and ill just have to be patient and wait out the cli.

[TRC_WA]

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@pizza1 wrote:

Ok... So I've called the back door # to credit solutions, and also tried through an anylst and was unable to get a cli on my freaking Walmart card. Wow... Really?!!!! I mean, I know I have a bk showing and it's recent, but whatever, still my Walmart card is at a $0 balance, statement cut yesterday and my last payment was $258, PIF! I called in asked for $3k ( they counter), and he came back saying he was unable to raise and I'll get the letter. I swear to GOD I'm gonna close all 5 of my GE cards. My overall total util was less than 1% reporting, all other cards showed a 0 bal on reports except one card for $5. Gimme a freaking break!!! So done with this credit crap. I'm gonna close all 7 store cards with GE and Commenity, and just keep my three majors and give them all the business!!!  (Sighs))...... Ok, rant over  

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Welcome to the club.

I've had my 4 GE cards for 8-10 months and all I've gotten was a 100 auto CLI from Walmart.  My total limit across all 4 cards is $9200 so I'm probably at some kind of an internal limit.  

I quit asking for CLI's a couple months back... don't even care anymore.  The GE cards are just utilization boosters... nothing more.

My scores are just a bit higher than yours and my BK is 14 months post discharge... mine was a 13 though, not a 7. Also, you said you burned them in your BK.

I DIDN'T burn GE in my BK.  At any rate, if how they've loved me is any indication you shouldn't expect much.  

[One7]

Good luck! Just give it time and you'll be getting CLIs in no time.

[Anonymous]

How soon after your bk did you get new cards?

[SunriseEarth]

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@12njoy wrote:

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@eagle2013 wrote:

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@weehoo wrote:

GE is a horrible company.  

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GE/Syncrony serves its purpose and they are BK/baddie friendly. They have useful "store" cards (Walmart, Amazon) with no outrageous AFs like FP. Also have perks like a free monthly FICO score which is imperative for rebuilding. 

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Ditto.  They were the first unsecured card I received in 2013 to start my rebuild.  A year later and I have all the major players with the exception of CITI (I burned them so that will never happen).  GE has been very good to me.

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Same here.   After my BK, my credit consisted of SLs that I just kept putting off.  Without having any real credit knowledge, I started gaining credit.  Unfortunately, this just resulted in a bunch of charged off cards.   Back in 2010, I wanted to try again.   After I got a CreditOne card and used that for a few months, JCP decided to take a chance on me.   They were my first CC with no AF in the new rebuild.   When I eventually used the LUV button and got a "massive" increase from $250 to $750, it sparked my interest in learning how credit works.  And I found this site.    So, yes, JCP has been extremely important in my rebuild and I am certainl grateful!