I applied for a QVC credit card online. I have a few other cards issued by GEMB. My fico scores are in the high 600's and my goal is to reach 740 next year. However, I do have a discharged BK that is 6 years old.
I have applied for a QVC card before (about a year ago) and it always came back with an immediate denial. Of course my fico score was lower then too and I did not have the other GEMB cards. This time when I applied online it said they would let me know by email within 24-48 hours and it gave me a reference number.
Do you think this is just a new way of saying you are denied? Or do you think I still have a chance? I do most of my shopping at QVC and so this is why I would like the card.
Thanks netpanther. Yeah, I have heard their CLI are not too great. I have been shopping with QVC for about 15 years. It's just one of those cards that I would truly use. Well, guess I will wait and see what happens...
GEMB is not very generous with CLI. Most likely they want to do a manual review. There is no guarantees. I applied for eBay Mastercard issued by GEMB. I got the same message and after talking to the CSR she said the app is denied.
Hi, I got approved for this a little over 3 yrs out of BK. The only other card I had at the time for a few months was a $300 Orchard. My scores were all in the mid 600's. I had gotten a pre-app in the mail from them, since I buy alot there, I sent it in. Well after 3 or 4 weeks i heard nothing, so I called them. They had no record of my app, so I did it over the phone w/ the rep, got approved for $300..so needless to say I dont use it much. I kept using my debit card instead.