JCPENNEY CARD???

[Anonymous]

How is this card and is it difficult to get?  Any info on scores you need?

Any info is appreciated, TIA

[Anonymous]

I think my score was around 620 when i got this card over a year ago. Dont apply on line, go into the store. I applied 3x on line and got declined each time. They've  done a hard on me twice for cli so now i dont request them any more. Hope this helps

[Anonymous]

Thanks! 

[Anonymous]

I apped in store.Approved for $600.Only pulled EQ with score of 700ish at the 4 month mark recieved another $400.

[Anonymous]

I was declined since I was just approved for a Belk card a month prior.  My scores were low 600s then.

They did approve DH with $500 limit in 10/08.  Cli to $1k 3 months later.  His score was around 620 or so.

[QueenBean]

I got this card a few months ago with a 2 year old dismissed BK & scores hovering around 590.  I applied online.

[Anonymous]

any info re: util w/ other cards affecting the JCP card.  Do not want a hard inquiry if i don' have a good chance of being approved.....tia,

[Anonymous]

lessons learned:

Does GEMB have a limit on number of cards in a certain time frame?  Another poster was approved for Care Credit and Rooms to Go (Both GEMB) in the same week.  Maybe the first didn't show up when the second pulled the CR?

I'd like to figure this one out.  DH just approved for Care Credit and would like to talk to JCPenney about reinstating an account he closed in 01.

[dizbuster]

I opened 2 GE accounts in the same day twice. The first two were Bass Pro and Old Navy, July of last year. The next two were Chevron and WalMart in December of last year. Approved for all four. I now have 4 GE money accounts and the CLI are every 4 months with no hard pull. Except Bass Pro, they won't give me any luv.

[Anonymous]

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@utah2009 wrote:

lessons learned:

Does GEMB have a limit on number of cards in a certain time frame?  Another poster was approved for Care Credit and Rooms to Go (Both GEMB) in the same week.  Maybe the first didn't show up when the second pulled the CR?

I'd like to figure this one out.  DH just approved for Care Credit and would like to talk to JCPenney about reinstating an account he closed in 01.

---

That was me who did Care Credit and Rooms to Go.  Actually, I app'ed Rooms to Go first.  That account and inquiry were both on my CR by the time I app'ed Care Credit about a month later.

Both were instant approvals.  Rooms to Go gave me $6,500 CL when I put $7,500 in as my purchase amount (I only used $4500 on the interest free till 2013 promo). 

Care Credit gave me the full $12,500 I put in as purchase amount.  I won't use $12.5k, but I don't want what I do end up using to be too high in utilization on that account.

Maybe I should test GEMB to see if they still love me....three times a charm?  LOL