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Valued Member
webpixie
Posts: 49
Registered: ‎10-12-2007
0

QVC Credit Card

Hi,
 
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 everyone :smileyhappy:
Valued Contributor
netpanther
Posts: 1,694
Registered: ‎08-07-2007
0

Re: QVC Credit Card

They may need more information. It is a good thing you shop w/ them- because I have only gotten one CLI from them and a small one at that.
Valued Member
webpixie
Posts: 49
Registered: ‎10-12-2007
0

Re: QVC Credit 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... :smileyhappy:
Senior Contributor
Sylviatob
Posts: 4,596
Registered: ‎09-14-2007
0

Re: QVC Credit Card

pixie, they are probably doing a manual review. MUCH better than an outright denial.

I buy a lot from them too. Mostly beauty products, purses, and shoes. :smileyhappy:

Good luck to you. it's been about 24 hrs so far. As today is Monday, why don't you call them tomorrow? :smileyhappy:
"Never ever, ever be late. Never" (FUTR)
Super Contributor
concorduser
Posts: 6,026
Registered: ‎09-18-2007
0

Re: QVC Credit Card

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.
Valued Member
webpixie
Posts: 49
Registered: ‎10-12-2007
0

Re: QVC Credit Card

Yeah, mine was declined for QVC.  I thought I might have a chance because I have a 3k limit with Care Credit and I also have WalMart which I think are both issued by GEMB.  Oh well.
Established Member
Baybreeze
Posts: 43
Registered: ‎08-03-2007
0

Re: QVC Credit Card

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.

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