It never hurts to try but GEMB is just about impossible to recon with.
@diabla wrote:I was able to successfully recon with Walmart! I did the app online last night, on a whim, got the 7-10 day message and my heart sank. I felt like I wasted a hard pull. Then I decided to try to call and I searched and found these numbers -
1-877-294-7880 / 7548
Called and explained what happened, asked if they needed more information from me, like employment verification or something. After being transferred a couple of times, I got the credit department. She asked me a few questions from my credit file (luckily I had it in front of me on the screen, because she went way back!). Then had to hold while she processed the app. Came back and said that my online app was for the Wally Discover (although I didn't ask for that) but she could give me the STORE card with a $500 limit. I was SO happy!
Tips, be VERY nice and offer to give whatever they might need. Also, try to have your TU report available because she asked some questions that I probably wouldn't have been able to answer without it. Apparently, they consider credit cards as banks, so if you have a card like through Comenity, that's a bank, and if they ask for the names of banks you currently bank with, don't just say your current checking/savings account. They are looking at your report where it will say Comenity Bank, etc.
where you ever truly declined? sounds like you got the notice and just needed to verify, without a denial notice of any kind it's hard to say if it was really a recon =)
