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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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No love from GEMB

Declined for chevron/JCP cards. Smiley Mad Im giving up for awhile.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 768
Registered: ‎04-08-2011
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Re: No love from GEMB

be patient, get your score up and good things will come Smiley Happy


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: No love from GEMB

 


silver0187 wrote:

be patient, get your score up and good things will come Smiley Happy


Thats the problem, not patient Smiley Very Happy Should I freeze my CR's?

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
0

Re: No love from GEMB

GEMB will give you a Chevron card but I think your score will have to get to 645 at least I think.

 

That is about when they gave me one and just a couple of days ago, I got my third CLI starting at $700 and now at $2K for a non-Visa standard gas card. 

 

Good luck.

Established Contributor
Posts: 643
Registered: ‎02-17-2011
0

Re: No love from GEMB

My score was low 600's and I got approved. I think it was 620.  I was approved for 500.00$. Im curious how did you get up to 2k?  did you cli request every 4 months?  I use my at about 30% util. and pay on time more than the minimum, i do carry a balance also. 

Amex Hilton Honors $1000.00 CL; Discover $2000.00 CL; Gap Visa $5500.00 CL; AE Visa 4000.00 CL; Cap1 Quicksilver $2000.00; Walmart MasterCard $5,300.00; Sam's Club Mastercard $8500.00; Barclay's Rewards MC $3700; CITIBank Dividend World Mastercard $300.00 CL; AMEX PRG NPSL; Wells Fargo Rewards VISA $3,000.00 CL; Barclays AA Red Aviator MC $4000.00 CL; BOA Better Balance Rewards VIsa $1000.00 CL; Chase Freedom Visa $3,500; Venture $15,000; Venture One $10,000, Quicksilver Visa Siggy $5000

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Re: No love from GEMB


LS2982 wrote:

 

Thats the problem, not patient Smiley Very Happy Should I freeze my CR's?

 


There's no reason to do that. Just stop applying for anything.

 

It's not that hard to do.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: No love from GEMB

 


Marinevietvet wrote:

LS2982 wrote:

 

Thats the problem, not patient Smiley Very Happy Should I freeze my CR's?

 


There's no reason to do that. Just stop applying for anything.

 

It's not that hard to do.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


I dont know why im so impatient, i think 6 months of gardening might help.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
0

Re: No love from GEMB

I Requested a CLI every 4 to 6 months like so many others were asking for and they kept giving small regular increases.

I don't think I will ask for any more on that one it is big enough. I"ve been in trouble before and I ain't going there again.
Contributor
Posts: 129
Registered: ‎03-24-2011
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Re: No love from GEMB

Lol dude thats what you keep saying.. You really make my day. Haha
My Wallet:

Amex Zync - NPSL
Capital one - Secured $600 (soon to be axed)
Discover More - $1000

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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: No love from GEMB


New2score wrote:
Lol dude thats what you keep saying.. You really make my day. Haha

Really dude?? give it up already. Smiley Very Happy




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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