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Senior Contributor
Posts: 3,446
Registered: ‎11-30-2007
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Rut-Ro....GEMB CLD everywhere

and I figured it out.  We charged our European vacation and it hit the CRA's.  That made us look highly utilized!  The interest check from our annuity should be here in time to pif that card before it reports again.

 

So far, GEMB has hit is TWICE this week.  Yesterday I received a CLD notice from Wal-Mart....for $100.  Not that I shop a bunch at Wal-Mart but I did buy a lot of plastic ware to redo the basement organization project. 

 

Guess I'll stick to cash or checks or NFCU Visa. 

Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
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Re: Rut-Ro....GEMB CLD everywhere

Sorry to hear it! GEMB has really been reducing exposure lately.
Here we go again...
Regular Contributor
Posts: 117
Registered: ‎03-19-2008
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Re: Rut-Ro....GEMB CLD everywhere

I had decreases a couple of months ago to both my Gap and my Chevron.  I figured they were going to reduce some more but they haven't *crosses fingers*  Do you have any other GEMB besides Walmart?

Starting Score: EX: 620 TU: 600 EQ: 620
Current Score: EX: 620 TU: 600 EQ: 620
Goal Score: EX: 670 TU: 660 EQ: 700


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Senior Contributor
Posts: 3,446
Registered: ‎11-30-2007
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Re: Rut-Ro....GEMB CLD everywhere

Yes, they cld Dillards to $100 from $2100.  I also have a Lowes, which I am sure is next.
Established Contributor
Posts: 665
Registered: ‎03-31-2007
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Re: Rut-Ro....GEMB CLD everywhere

My Dillard's AMEX was increased...
Senior Contributor
Posts: 3,446
Registered: ‎11-30-2007
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Re: Rut-Ro....GEMB CLD everywhere

My Dillard's Store card received a cli on April 6th of $500 to $2100.  I noticed this week that they chopped me to $100.  I rarely shop at Dillards anyway, twice per year on average.  Macy's is right next door and I prefer their coupons and sales....
Moderator Emeritus
Posts: 3,417
Registered: ‎12-27-2007
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Re: Rut-Ro....GEMB CLD everywhere

So far I'm still safe (Ikea and Old Navy).  I was just waiting for them to knock down the Ikea card -- esp since I just purchased about 900 bucks of furniture and stuff on it, but so far so good.

 

 

~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Frequent Contributor
Posts: 279
Registered: ‎07-12-2007
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Re: Rut-Ro....GEMB CLD everywhere

I've been on the receiving end of their hatchet since late November.

 

CareCredit  5500> closed

Care credit   500> closed

Lowes visa cld 4000 to 3090 (gave 100 over my balance as I was remodeling kitchen)

Walmart  cld 550 to 124

 

As soon as GEMB started this, the others, BoA, Discover, Chase and RBS followed suit though not as drastic.  But Hooters gave me a cli of 300 on my one year anniversary!!  :smileytongue:

Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
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Re: Rut-Ro....GEMB CLD everywhere

I have 3 acconts with GE they soft all 3 of my accounts with them every month on the same day i wonder should i worry lol. If they CLD what can i do if they ever close my accounts i will never shop in the store again.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Established Contributor
Posts: 832
Registered: ‎01-16-2008
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Re: Rut-Ro....GEMB CLD everywhere


Trishco wrote:

I've been on the receiving end of their hatchet since late November.

 

CareCredit  5500> closed

Care credit   500> closed

Lowes visa cld 4000 to 3090 (gave 100 over my balance as I was remodeling kitchen)

Walmart  cld 550 to 124

 

As soon as GEMB started this, the others, BoA, Discover, Chase and RBS followed suit though not as drastic.  But Hooters gave me a cli of 300 on my one year anniversary!!  :smileytongue:


 

Trishco, how long had your CareCredit accounts been idle?  I have a $5,000 CL with them that's been idle for about 3 mo. and I noticed they are pulling a soft every month.  I'm wondering if I should use them for new glasses or something I could PIF in order to get off their radar.


Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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