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Established Member
Posts: 16
Registered: ‎05-26-2007
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lov GE !!

last night i thought what the heck and applied for old navy and jcp and was approved for both (old navy store card) with $200 credit limit but hay I will still take it, getting approved was the shock! l'm so happy.
Valued Contributor
Posts: 1,989
Registered: ‎06-25-2012
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Re: lov GE !!

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Established Contributor
Posts: 591
Registered: ‎05-05-2012
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Re: lov GE !!

Congrats! They will definately grow with you if you treat GE well. 

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Established Contributor
Posts: 797
Registered: ‎05-01-2012
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Re: lov GE !!

Congrats! GE cards have been great for my uti.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
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Re: lov GE !!

Congrats on the approval!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Member
Posts: 20
Registered: ‎02-19-2013
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Re: lov GE !!

[ Edited ]



The Old Navy card is actually really useful beyond the fact that it's a GE card if you shop there regularly and always pay the card off. It's not quite as good for discounts as a Kohl's Card is in their store, but  the Old Navy rewards program is pretty decent.


One thing to note is that for the most part the Gap and Banana Republic cards are almost identical to the Old Navy card. For whatever reason, the ON rewards program is slightly more favorable, since you get rewards in $5 increments instead of $10. (So instead of needing to spend $200 to get a $10 card, you can spend $100 and get a $5 reward card; and if you do spend $200 you get two $5 cards.) In any case, you can still use the ON rewards in other Gap company stores, so there's really no reason to have the other cards if you plan on actually using the rewards program.


That said, the Old Navy Visa isn't quite as helpful. You can earn 1% with the Old Navy Visa if you use it outside Gap stores, but you can earn that much or better with many other cards, some of which allow you to use the rewards for cash back or purchases other than just clothes. I've only ever bought one non-Gap thing on the Old Navy Visa and it was only because the first time you use it for a non-Gap purchase you get a $30 reward card.

DCU Secured $500 | Bill Me Later $1292 | Amazon $1100 | Amazon Rewards $1000 | Kohl's $800 | Old Navy Visa $2000 | Sears MC $6000 | Target $500 | Walmart Discover $1000

Starting Score: EQ: 700 (EQ), EX: 661, TU: 709
Current Score: EQ: 716 (DCU), EX: 661, TU: 723 (Walmart)
Goal Score: All: 750

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Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: lov GE !!

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: lov GE !!


The first step to CLI awesomeness from GE!!

EQ FICO 548 3/3/16

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