Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011
0

I thought GEMB hated me.

I've had my PayPal Smart Connect since Dec of last year, my FICO's back then were in the high 690's-low 700's. 500 initial CL, requested a CLI about 4 months after having the card was offered a CLI of 125 bringing me to 625, I accepted it, I hit the luv button about 2-3 weeks ago, declined, received a letter a week later stating "I did not have enough experience with my current limit"

 

I have not used the card since June I think, but when I did use it regularly I always PIF before the due date, so today I decided to hit the luv button again and it asked my annual income like it has the past two times, I entered my income (same as the last two times) I hit submit, and when the page loaded it said "Great News, your limit has been raised" 2,150 total line now.

 

I thought GEMB hated me, but now I think they may like me LOL, I just don't get some lenders, my first CLI was 125 and the next was 1,525.

 

So all in all I'm pretty happy with GEMB now, I mean 2,150 is still a low limit, but for this type of card I think it's pretty good, now I might just show GEMB some luv and start using the card again.

 

Just had to post this as I was postitve GEMB hated me and I stated that in another thread just recently.

 

Cheers.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Regular Contributor
Posts: 153
Registered: ‎04-17-2011
0

Re: I thought GEMB hated me.

Congrats.. More evidence that GEMB doesn't like their cards sitting in idle mode?

Starting Score: 547
Current FICO Score: TU 747, EQ 732, EX 742 [10/2014]
Goal FICO Score: 777
Regular Contributor
Posts: 139
Registered: ‎04-21-2011
0

Re: I thought GEMB hated me.

$2,150 is a very respectable limit.  Congrats on the increase! Smiley Happy


Starting Score: EQ 678 (8/10/11) -- TU 678 (8/10/11) -- EX Fako 639 (9/7/11)
Current Score: EQ 685 -- TU 686 -- EX 702 (lender pull)
Goal Score: At least 720 across the board by June 2012


Take the FICO Fitness Challenge
Established Contributor
Posts: 619
Registered: ‎06-18-2007
0

Re: I thought GEMB hated me.

Same here !  I made a thread about it a few weeks ago, "Sam's Club success story" or something like that.  My Sam's went from $2,000 to $5,000 in one click, and my Paypal Smartconnect (which I was so disgusted with I was about to cancel it) went from $700 to $2250 or something ridiculous.

 

Congratulations to both of us, and to everyone getting holiday cheer (I tend to think they're beefing up credit lines ahead of the holidays) from GEMB !

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Valued Contributor
Posts: 2,691
Registered: ‎09-26-2011
0

Re: I thought GEMB hated me.


ontop wrote:

Congrats.. More evidence that GEMB doesn't like their cards sitting in idle mode?


Ah.

 

I was wondering why everyone is getting luv from GEMB except me...

 

I can fix this...  Smiley Happy

Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.

Zero percent financing is where the devil lives...
Established Contributor
Posts: 799
Registered: ‎09-27-2011
0

Re: I thought GEMB hated me.

Since it bears on this thread, is there a general rule for time between account opening and CLI request for GEMB-sponsored cards (like Wal-Mart, JCP)...and is it a soft or hard pull?

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011
0

Re: I thought GEMB hated me.


CreditCrusader wrote:

Since it bears on this thread, is there a general rule for time between account opening and CLI request for GEMB-sponsored cards (like Wal-Mart, JCP)...and is it a soft or hard pull?


General rule is you can go online and request a CLI after every 4th statement, and it's a soft.

 

Thanks to those who have replied Smiley Happy

 

It may have been because the card has sat idle, or it may because of the Holidays coming up, who knows.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Frequent Contributor
Posts: 311
Registered: ‎07-18-2011
0

Re: I thought GEMB hated me.

Yes, that is a respectable increase indeed.

Regular Contributor
Posts: 118
Registered: ‎04-17-2011
0

Re: I thought GEMB hated me.

Gemb loves me.
I have 3300 between 2 cards.
I just recently got a 400 increase on my 1100 amazon card and just got approved for a 1800 Walmart discover card last week.
My Cards
BBVA/Compass 2/12 $ 5000 ----- Chase Freedom 12/10 $3000 ---- Cabela's 1/12 $3000 -----US Bank FlexPerks Cash Rewards 6/11 $3000 ----Walmart Discover 10/11 $2814 ------ Discover More 11/11 $2500 ----- Amazon Store Card 2/11 $2100---- Amex Zync 4/11 ---- Citi Dividend Platinum Select 3/11 $1950 ---- BofA Cash Rewards 12/11 $1000
Established Contributor
Posts: 619
Registered: ‎06-18-2007
0

Re: I thought GEMB hated me.

They just changed their name.  Maybe they changed their operating strategy in general, too?

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.