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Valued Contributor
Mustanglvr2006
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
ontop
Posts: 125
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 Experian Plus Score: TU 736, EQ 727, EX 736 [10/12/2011]
Current FICO Score: TU 732, EQ 686 701 (down from 729) [09/12/2011]
Goal FICO Score: 777
Regular Contributor
AlmostHome78
Posts: 139
Registered: ‎04-21-2011
0

Re: I thought GEMB hated me.

$2,150 is a very respectable limit.  Congrats on the increase! :smileyhappy:


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


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Established Contributor
ChesterPDexter
Posts: 618
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
tcbofade
Posts: 2,244
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...  :smileyhappy:



Current Scores: EX 671 (FCR) TU08: 648 Wally (TU08). 08/29/14 Last app 05/29/2014.
Being held hostage in the garden until 01 November 2014.

Zero percent financing is where the devil lives...
Established Contributor
CreditCrusader
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
Mustanglvr2006
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 :smileyhappy:

 

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
jasimae
Posts: 311
Registered: ‎07-18-2011
0

Re: I thought GEMB hated me.

Yes, that is a respectable increase indeed.

Regular Contributor
brian2220
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
ChesterPDexter
Posts: 618
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.

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