topic Re: Thanks GEMB! in Credit Card Approvals

Thanks GEMB!

texasman07 — Tue, 21 Jun 2011 14:44:36 GMT

So I applied for the TJMAXX Card. Approved 200.00$ CL

I applied for the Banana republic Card. Approved 400.00$ CL

JCPENNY CARD 500.00$ CL

And heres the deal with this just in case you get that 7-10 Day Message. If you call this number 1-866-246-4282 within 48 hours of that 7 -10 Day message, chances are you will get approved.

I appled for the Gap card and got the "Will send you an letter within 7-10 days of our decision" the next day i called the Underwriters number and said, "I think my application need further verification?" ( a lie of course) and the woman said oh sure hold on. She brought up a few questions and said your approved!!

She also said if you ever get that message to call wtihin 48 hours and most likely GEMB will review your application once more.

Re: Thanks GEMB!

DI — Tue, 21 Jun 2011 14:58:49 GMT

@texasman07 wrote:
So I applied for the TJMAXX Card. Approved 200.00$ CL
I applied for the Banana republic Card. Approved 400.00$ CL
JCPENNY CARD 500.00$ CL

And heres the deal with this just in case you get that 7-10 Day Message. If you call this number 1-866-246-4282 within 48 hours of that 7 -10 Day message, chances are you will get approved.

I appled for the Gap card and got the "Will send you an letter within 7-10 days of our decision" the next day i called the Underwriters number and said, "I think my application need further verification?" ( a lie of course) and the woman said oh sure hold on. She brought up a few questions and said your approved!!

She also said if you ever get that message to call wtihin 48 hours and most likely GEMB will review your application once more.

That's one of my lines I use depending on the circumstance. Congrats to you on your approvals!

Re: Thanks GEMB!

texasman07 — Tue, 21 Jun 2011 15:01:52 GMT

Thanks!!! I got all the cards I need now. Im done for a looooooooooooooong time!!!

It was nice to get a round of approvals.

I use store cards a lot for clothes and shoes for work. I usually PIF and get at least 10-25$ back in Rewards once a month.

With my express fashion card i save anywhere between 25 to 100$ when i shop.

For me, store cards make it easy since Im going to buy clothes and shoes anyway for work functions and social events that I have once a month. Might as well get money back!! Plus NO ANNUAL FEES OR MONTHLY FEES.!

Re: Thanks GEMB!

DI — Tue, 21 Jun 2011 15:06:32 GMT

I have one store card from Sears, and use it only for oil changes. I particularly do not like store cards.

Re: Thanks GEMB!

texasman07 — Tue, 21 Jun 2011 15:20:18 GMT

GEMB makes it easy. I have never had a problem with them. Pay them through my bank and usually payments post the next day by midnight. CLI's every 4 months. They are actually pretty easy to work with. If it was a problem I wouldnt continue with them. Although their APRS' are high, I PIF so it doesnt matter and no Annual Fee. All in All I just have to say GEMB has been good with me in the past and it makes a difference. You want to be good with them too when you have a company that is not stingy with CLI's are charges fee for everything you do. Just my Opinion.

Re: Thanks GEMB!

smc733 — Tue, 21 Jun 2011 15:23:21 GMT

@texasman07 wrote:
Thanks!!! I got all the cards I need now. Im done for a looooooooooooooong time!!!

It was nice to get a round of approvals.

I use store cards a lot for clothes and shoes for work. I usually PIF and get at least 10-25$ back in Rewards once a month.

With my express fashion card i save anywhere between 25 to 100$ when i shop.

For me, store cards make it easy since Im going to buy clothes and shoes anyway for work functions and social events that I have once a month. Might as well get money back!! Plus NO ANNUAL FEES OR MONTHLY FEES.!

I particularly don't like store cards, for a multitude of reasons, I prefer to pay Visa/Amex, BUT, in cases as yours, where you can reap significant benefits, store cards make a lot of sense. My mother gets good benefits from her use of store cards.

Re: Thanks GEMB!

Anonymous — Tue, 21 Jun 2011 15:26:08 GMT

@texasman07 wrote:
So I applied for the TJMAXX Card. Approved 200.00$ CL
What did they pull for this card TU or EQ

Re: Thanks GEMB!

texasman07 — Tue, 21 Jun 2011 15:28:05 GMT

GEMB ALWAYS pulls TU for me in TEXAS.

I have a few of thier other cards: Walmart, Chevron, American Eagle, and all have been TransUnion

Re: Thanks GEMB!

smc733 — Tue, 21 Jun 2011 15:35:13 GMT

GEMB pulls TU for me in New Jersey, too.

Re: Thanks GEMB!

Anonymous — Tue, 21 Jun 2011 15:57:18 GMT

I live in IL they have been big time EQ pullers here but from time to time they will pull TU. They use to soft me on EQ allot for most of my accounts I have with them but now I noticed they only softed TU this past year so maybe there making a switch to primarily use TU.

Re: Thanks GEMB!

trumpet-205 — Tue, 21 Jun 2011 15:56:23 GMT

Congrats.

GEMB denied me for a Lowe's card while approved me for JCPenney card for $200.

I'll give Lowe's card another try in the future.

Re: Thanks GEMB!

Anonymous — Tue, 21 Jun 2011 16:03:00 GMT

@texasman07 wrote:
So I applied for the TJMAXX Card. Approved 200.00$ CL
I applied for the Banana republic Card. Approved 400.00$ CL
JCPENNY CARD 500.00$ CL

And heres the deal with this just in case you get that 7-10 Day Message. If you call this number 1-866-246-4282 within 48 hours of that 7 -10 Day message, chances are you will get approved.

I appled for the Gap card and got the "Will send you an letter within 7-10 days of our decision" the next day i called the Underwriters number and said, "I think my application need further verification?" ( a lie of course) and the woman said oh sure hold on. She brought up a few questions and said your approved!!

She also said if you ever get that message to call wtihin 48 hours and most likely GEMB will review your application once more.

Congrats!!! I've received a good amount of $$$ benefits from my JCP card. And DH has Lowe's -- another GEMB card -- which gives him 5% off right at the register.

Good call on the 7-10 day message. I received that message when I applied for Dillard's -- yet another GEMB card. They called me the next day and wanted verification. I answered a few questions and was told that I was approved for the Amex version. So nice going by being proactive and calling them!

Re: Thanks GEMB!

bearsfan34 — Tue, 21 Jun 2011 19:31:35 GMT

Congrats! Did you apply online or in store? I applied in store because I figured I would have a better chance of approval and was denied. Then I called the backdoor number and she said that she could only review applications from online not in store. Sounded fishy to me. But that was about two months ago, going to try again at maybe the end of the year.

Re: Thanks GEMB!

texasman07 — Tue, 21 Jun 2011 19:34:10 GMT

Apped all online. Acutally Started with the TJMAXX cuz I shop at marshalls a lot. Approved first. Then I tried Banana I got appoved there also for 400. Then I was in the mood to pull the trigger again and JCPenny gave me 500. Before I was denied for all 3 about 5 months ago.

Re: Thanks GEMB!

mindacid — Wed, 22 Jun 2011 04:57:37 GMT

texasman07, congratulations on your approvals.

I've done alright with GEMB as well:

JC Penney $1500

Amazon $900

Chevron/Texas $350

I got them one per month -in the order listed- starting in March of this year. The Chevron was on a pre-selected mailing. They pulled TU for all of them and I'm in California.

Re: Thanks GEMB!

Anonymous — Thu, 23 Jun 2011 18:47:03 GMT

How did you gets urs to increase so much in so little time ?

Re: Thanks GEMB!

slarano — Fri, 24 Jun 2011 00:31:19 GMT

I've always appreciated what GEMB has done for me. Amazon Store Card at $2700, PayPal SmartConnect at $1700, consistent auto CLI's, very liberal when it comes to GEMB and my credit profile.

Re: Thanks GEMB!

Anonymous — Thu, 14 Mar 2013 19:36:02 GMT

Starting Score: EQ 546 TU 540
Current Score: EQ 654TU 680 EX 660 (Thru CCC)
Goal Score: 700

I noticed you posted your current scores for all three (EQ, TU and EX) through "CCC". What is CCC? Thanks!