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Regular Contributor
soccermomof4
Posts: 155
Registered: ‎05-07-2008
0

Re: Pushed My Luck with GEMB

Did you hit the LUV button on their website? This works for me on Walmart and Dillards every 4 months, and they're both GEMB.
TU=564 EQ=??? EX=??? 4/4/06
TU=643 EQ=625 EX=618 1/24/08
TU=678 EQ=651 EX=665 10/24/08
TU=694 EQ=669 EX=??? 9/24/09
TU=706 EQ=691 EX=??? 10/8/09
CH7 BK 2001
Regular Contributor
Miner
Posts: 221
Registered: ‎09-18-2007
0

Re: Pushed My Luck with GEMB

Well, I just signed up for their online account service and tried their luv button and I was rejected.  Will find out the reason in the mail.  I guess I won't be dusting the card off just yet.
Oct 2008 FICO: EQ:706 ,EX:708, TU:720
Sept 2007 FICO: EQ:673, EX:683, TU:676
July 2006 FICO: EQ:627, EX:609, TU:645
Valued Contributor
wmarat
Posts: 1,754
Registered: ‎11-03-2007
0

Re: Pushed My Luck with GEMB

I've tried luv button, automatic phone system, CSR, no CLI for me.

Well, I started using my Macy's Visa at JCP.


soccermomof4 wrote:
Did you hit the LUV button on their website? This works for me on Walmart and Dillards every 4 months, and they're both GEMB.

 

IN VINO VERITAS.
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Pushed My Luck with GEMB

Someone said GEMB was extra conservative the end of 2008....not sure I didn't apply for any card then.

 

But, this month I applied for Rooms to Go and was instant approved $6500.  I also applied Care Credit and was instant approved for $12,500.  Obviously I haven't asked for any CLI's (not sure that I would ever want to do anything more than those numbers), but it has been rumored that GEMB has loosened up a bit.

 

True, my scores are pretty good, but I had 6 new accounts (within past 90 days all showing) prior to app'ing for either.

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Frequent Contributor
wndrwmn78
Posts: 256
Registered: ‎04-16-2009
0

Re: Pushed My Luck with GEMB


laz98 wrote:

HA HA!  After reading on Who Gave Me Credit, I thought I would apply for a Lenscrafters card, to offset the cost of my @#$^ expensive glasses...I got the message of death:  We are unable to provide you with a decision at this time.  I was so sure I would get it!  But maybe not.  :smileysad:

 

Yesterday I applied for an Ultra Diamonds card (got it!) & earlier today I decided to apply for the Care Credit card so that maybe I can FINALLY get some stupid braces (got it!).  But I guess the third time's the charm for GEMB!  I will call for a recon tomorrow.  Wish me luck!


What CL did you get for Care Credit? That may be one I need to apply for soon...


Starting Score: 670 EQ and 674 TU
Current Score: 670 EQ and 674 TU
Goal Score: 750 both EQ and TU


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Senior Contributor
laz98
Posts: 4,303
Registered: ‎09-06-2008
0

Re: Pushed My Luck with GEMB

$5000.  but my scores were lower than they are now.  at any rate, gemb closed my account because i never used it.  **bleep** it!
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 716. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Pushed My Luck with GEMB


laz98 wrote:
$5000.  but my scores were lower than they are now.  at any rate, gemb closed my account because i never used it.  **bleep** it!

Good to know.

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Valued Member
did2009
Posts: 41
Registered: ‎05-06-2009
0

Re: Pushed My Luck with GEMB

GEMB must luv me!  I got approved for Belk and JCPenney in the past couple of weeks...and i'm starting to build credit again.  I also got a flyer for the JCP Optical, but after my mom got her last pair of glasses at JCP Optical, I really want to go to LensCrafters or Eyeglass World (the place I have been to for the past 8-10 yrs) because her frames and lenses are of poor quality.  Heh.  I'll just wait nine more months for another GEMB card and it will most likely be Dillard's since they have good deals every February and September on clothes and every December 26th on after-Christmas specials.  Maybe Target since they aren't GEMB but pretty easy to get a $200 CL.

 

I am eyeing some button down shirts though....and some stuff at CVS or Rite Aid, so I'll probably use the JCP more than I would Belk. 

Senior Contributor
fishbjc
Posts: 3,377
Registered: ‎11-30-2007
0

Re: Pushed My Luck with GEMB

DH applied for Care Credit when his scores were bad...got $1500.  Use it at the vet, just about it.  Had it for one year, I should have him call for cli.  Scores up 70 pts since last yr.

 

GEMB cld my Dillard's from $2100 to $100 for non-use. 

 

CLD Walmart by $105

 

cli @ JCPenney

Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Pushed My Luck with GEMB

[ Edited ]

fishbjc wrote:

DH applied for Care Credit when his scores were bad...got $1500.  Use it at the vet, just about it.  Had it for one year, I should have him call for cli.  Scores up 70 pts since last yr.

 

GEMB cld my Dillard's from $2100 to $100 for non-use. 

 

CLD Walmart by $105

 

cli @ JCPenney


Just an FYI:  When I app'ed Care Credit on the 15th, I was approved for $12.5k

 

The approval confirmation page also said, "After 48 hours you may also contact our 24 hour automated response system to request an increase..."

 

So this morning just for kicks I called in and asked for $1500 CLI

 

Got transferred to a CSR.  She confirmed my request....found that I had another GEMB account (Rooms to Go $6500), confirmed that account, then typed for several minuted (often apologizing for the delay), then came back and said, "congratulations, your new Credit Limit is $14,000 and is immediately available!  Is there anything else I can assist you with?"

 

I told her no, thanked her for her time.

 

So, new update:  App'ed Rooms to go, got $6.5k instant approval.  4 weeks later app'ed Care Credit for $12.5k and got instant approval.  48 hours later I asked for Care Credit CLI of $1500, approved by CSR - new CL $14k.

 

Not sure exactly why GEMB loves me so much.  My wife app'ed Care Credit yesterday (has FICO 752, no baddies, perfect pay history, 12 year file, 4 year AAoA, 6 figure income) and they DECLINED her for any amount.

 

The only thing I can think of for DW is that she has had a PayPal Credit account for a couple years, which when she got that account she had derogs on her CR and we were still rebuilding.  Her CL on paypal is just $300.  So I think her history with them having a low CL previous account and maybe they keep some CR info over time????

 

I did not have any GEMB accounts or inquiries till now when my credit was perfect, high ficos, many reported high CL's.  :smileyindifferent:

Message Edited by txjohn on 07-18-2009 08:48 AM

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549

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