topic Re: GEMB in Credit Cards

GEMB

first48 — Sat, 13 Sep 2008 02:23:09 GMT

Is there a limit to having GEMB cards. I just recently go 2 Gemb cards which is Lowe's and Kirkland's. I just applied for a JC Penney's card and got the 7 to 10 day message.

Re: GEMB

Anonymous — Sat, 13 Sep 2008 02:33:25 GMT

I have about 6 GEMB cards.

Re: GEMB

Anonymous — Sat, 13 Sep 2008 02:34:42 GMT

For me, the max is 0. GEMB hates me and won't tell me why.

Re: GEMB

first48 — Sat, 13 Sep 2008 02:42:18 GMT

I just opened Lowe's and Kirkland's this month. I called the credit department at JC Penney's and they said looks like you are going to be notified by mail. I wonder why I got denied.

Re: GEMB

Anonymous — Sat, 13 Sep 2008 06:06:07 GMT

You're not alone!

contractor wrote:
For me, the max is 0. GEMB hates me and won't tell me why.

Re: GEMB

Anonymous — Sat, 13 Sep 2008 06:07:29 GMT

Someone posted that after opening too many GEMB accounts within a short time, they were denied because of Identity issues.

They advised, from the best I can remember, to call and ask for the "verificatoin department".

Re: GEMB

Schoolbuskid — Sat, 13 Sep 2008 12:55:35 GMT

I was denied by GEMB when i applied for Lowes Card and they reason was identity issues (something with telephone) so then i called backdoor number and the lady said that everything was ok, to reapply and darn if they deny me again, for same reason! I gave up!

Re: GEMB

Anonymous — Sat, 13 Sep 2008 14:43:19 GMT

They denied me for Old Navy and Walmart. Denied due to being unable to verify telephone number and identity. In the letter it said they did not use a CR to base their decision. The Walmart one said it was based on information by Lexis Nexis. Yet, they still pulled EQ, so I am annoyed and plan to write them asking them to remove the inquiry, seeing as they "say" they didn't use a CR to make the decision.

Re: GEMB

Anonymous — Sat, 13 Sep 2008 14:45:37 GMT

You gave permission for them to access your CR.

They didn't say they didn't pull it, they said they didn't use it in their decision.

siangirl34 wrote:

They denied me for Old Navy and Walmart. Denied due to being unable to verify telephone number and identity. In the letter it said they did not use a CR to base their decision. The Walmart one said it was based on information by Lexis Nexis. Yet, they still pulled EQ, so I am annoyed and plan to write them asking them to remove the inquiry, seeing as they "say" they didn't use a CR to make the decision.

Re: GEMB

Anonymous — Sun, 14 Sep 2008 01:36:20 GMT

I think I have a good case. I've had other lenders have the same id verification problem and they DID NOT pull a CR, as they were not able to complete the application. I allowed them to pull my CR in order to consider me for credit with them. If they are not going to consider me for credit, based on their unwillingness to attempt to verify my identity, then they should not have pulled my CR.

Re: GEMB

Anonymous — Sun, 14 Sep 2008 01:42:37 GMT

Good luck-- let us know how it turns out.

siangirl34 wrote:

I think I have a good case. I've had other lenders have the same id verification problem and they DID NOT pull a CR, as they were not able to complete the application. I allowed them to pull my CR in order to consider me for credit with them. If they are not going to consider me for credit, based on their unwillingness to attempt to verify my identity, then they should not have pulled my CR.

Re: GEMB

ncks — Thu, 18 Mar 2010 20:32:57 GMT

I applied and got 4 GEMB cards and all my accounts were closed and flagged as fraud. I call and they will not help me stating I have to wait on my letter to arrive. SO I called the fraud department and talked with a manager who told me to take a government issued id and a bill verifying my proof of residence to walmart. I did that and walmart lp did not know what to do nor walmart csrs nor lp manager. They called and talked with a rep and not a manager who told them i needed to wait on my letter and the account could not be reopened. I have 4 new accounts on my credit reports stating closed by credit grantor. If they do not reopen them once i receive the letter then they need to remove the accounts and inquiries from my credit reports so my scores can go back up.