Credit Card Center Advertiser Disclosure†
05-16-2011 06:43 PM
I hope they don't change cardmembers opening dates. Fortunately, I don't have a TJX card.
05-17-2011 04:00 AM
I was just approved for the tj Maxx mastercard from chase last month. Will the mastercard branded one(the one oyu can use anywhere) will that be moved to gemb to?
05-17-2011 05:37 AM
Kohls and now TJX, hmm, is chase reducing its store card portfolio or is it the stores that are moving away from chase? (as a wild thought, stores may be upset by chase's approval criteria as it can impact their business coz the borderline customers may get accepted more easily by cap1/gemb)
05-29-2011 10:15 PM
I signed up just to tell you guys:
I work for Marshalls (A TJX company store) and the reason we're switching from chase to GEM is because Chase kept denying people (and a whole heck of a lot of people). I work at the register and open up cards all the time. Rewards will be the same as chase and there's never a fee to open a card or annually. I know, it's all a lot of work to get people to open up cards, but sometimes when people have $400+ orders $10 off every $200 sounds pretty good and when you're approved you get 10% off... ahh, I'm not trying to sell you guys the card D: Don't get it unless you are able to pay it off!
So, in short terms: every thing's the same, the company just hopes for more approvals.
More approvals= more money
more money=happy company
Don't get me wrong, I love working at Marshalls... I HATE asking people to open up the card.
05-30-2011 07:43 AM
That wouldn't seem to explain why they changed from cap1 to chase,
would imagine it's a more complicated decision making process than meets the eye.
05-30-2011 08:03 AM
Cap1 was probably either not granting CLI's or wanting too much for their part of it. Just conjecture, but knowing Cap1, I would say it's probably due to CLI's and initial CL's.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.