topic GEMB/CLI Approval descrepency? in Credit Cards

GEMB/CLI Approval descrepency?

Anonymous — Sun, 12 Oct 2008 21:24:02 GMT

Has anyone experienced this? I requested a CLI on 4 of my GEMB accounts, all of which are in good standing.. no lates.. no miss payments... nowhere near CL. I got $75.00 for my Walmart cards.. not much, but I am rebuilding .. and am happy with it. Then I got denied for Paypal Buyers, Amazon, and JCPenney.

I know their programs are quite buggy. I had to go through that whole .. "identification verification problems" stuff when I got each of these cards. I am wondering it their computers are reading my one CLI with Walmart as one CLI request for all accounts.. and denied them because it is noted that I already got increases on all accounts.

Anyone experience this? I mean, there is no reason for me to have not gotten the CLI, especially if all they are condidering is my history with them. I tried speaking to CSR, but... grrrrrrrrr!

Re: GEMB/CLI Approval descrepency?

Anonymous — Sun, 12 Oct 2008 21:36:21 GMT

Same here. I received one for Sams, last month. The strange thing with the Sams is that they denied me two weeks before I hit the button again. I got one with Dillards at the 4 month mark, as promissed. No go on the Buyer Credit. The reason being is the # of collection accounts. I only have one, which is about 3-4 less than I had when I initially got the credit.

Re: GEMB/CLI Approval descrepency?

Anonymous — Sun, 12 Oct 2008 21:59:06 GMT

That is odd. I requested the CLi's minutes apart. I have had all of the accounts for the same about of time. I think I caught GEMB on a good week.. because they gave me like 6 accounts that week, when I could not even get ONE from Macys.

I thought they just looked at your history with their account... did not think they would look at collections.

Re: GEMB/CLI Approval descrepency?

wmarat — Sun, 12 Oct 2008 22:05:46 GMT

Well. I have 3 GEMB accounts. I am able to get small CLI's on my WalMart and PayPal. I have not been able to get CLI on JCP account since 11/07 and this card is in use every month. I use my CLI denied requests on JCP as an excuse to get my EQ report for free.

Re: GEMB/CLI Approval descrepency?

Anonymous — Mon, 13 Oct 2008 02:57:59 GMT

GEMB is very odd with their CLI's. I too have had the same type of experience. I have about a dozen GEMB accounts. I got some in January, April, and July. I am finding that they want the account to be at least six (6) months old before a CLI is even possible. From that point, every three (3) to four (4) months you can do a CLI. However, they are not just looking at the internal history. For me they are pulling a soft on EQ every time. Whenever they approved all of my accounts they pulled TU for where I am located. It took me over eight (8) months to finally get a CLI on my JCPenney and Dillard's. However, my Wal-Mart and Kirklands crossed six (6) months and poof I had no problem. I got my HSN in January and it's still stuck at $200.

My recommendation is to hit the CLI button every month after the statement cuts. At worst it is doing a soft inquiry. Nothing to worry about. GOOD LUCK!

Re: GEMB/CLI Approval descrepency?

laz98 — Tue, 14 Oct 2008 06:25:34 GMT

@Anonymous wrote:
GEMB is very odd with their CLI's. I too have had the same type of experience. I have about a dozen GEMB accounts. I got some in January, April, and July. I am finding that they want the account to be at least six (6) months old before a CLI is even possible. From that point, every three (3) to four (4) months you can do a CLI. However, they are not just looking at the internal history. For me they are pulling a soft on EQ every time. Whenever they approved all of my accounts they pulled TU for where I am located. It took me over eight (8) months to finally get a CLI on my JCPenney and Dillard's. However, my Wal-Mart and Kirklands crossed six (6) months and poof I had no problem. I got my HSN in January and it's still stuck at $200.

My recommendation is to hit the CLI button every month after the statement cuts. At worst it is doing a soft inquiry. Nothing to worry about. GOOD LUCK!

james, where are you located (if i may ask)? i would LOVE them to pull TU for me.

i just opened 3 accounts with GEMB. i hope they're generous.

Re: GEMB/CLI Approval descrepency?

Anonymous — Tue, 14 Oct 2008 12:11:04 GMT

My wife also got a cli of $75 on her Walmart card this weekend she's had the card for 4 months she also got a $300 cli on her Oldnavy card this weekend she charged $400 from July-September and paid it off this month. I have the pp Mastercard and my experience with them concerning cli is that you need to wait 6-9 months befor asking for cli's and you need to use the card regularly in order to get the cli's. I charge 2-3k every 3-5months and pay it off within 1-3 months of charging it then i ask for cli's and have always gotten them. They've given me cli's of $1500-$2500 each time(asked twice).

Re: GEMB/CLI Approval descrepency?

Anonymous — Tue, 14 Oct 2008 12:42:08 GMT

@Anonymous wrote:

My recommendation is to hit the CLI button every month after the statement cuts. At worst it is doing a soft inquiry. Nothing to worry about. GOOD LUCK!

A caution about hitting the CLI request button on a regular basis.

For what it's worth ... I don't know how many banks to which the following applies; but a person at another site reported this experience with USAA -- he was warned that that bank keeps track of each and every single time that the CLI request button is clicked.

"My USAA accounts are now closed. I had a perfect history with them. No lates, no balances from month to month, and no problems.

However, I hit the CLI button one too many times. The warning for everyone else is this: hit that CLI button at your own peril. The CLI button triggered a red flag. I hit it a total of 10 times -- between my two cards -- over the past 10 months. USAA did not like it. As a result, they suspended my account and told me to produce income verification. [...]"

Message Edited by MojaveMoon on 10-14-2008 05:42 AM

Re: GEMB/CLI Approval descrepency?

MsKiwi — Tue, 14 Oct 2008 15:27:34 GMT

@Anonymous wrote:

My recommendation is to hit the CLI button every month after the statement cuts. At worst it is doing a soft inquiry. Nothing to worry about. GOOD LUCK!

I disagree with hitting the luv button every month, it looks like you are desperate. I would limit the requests to every 6 months.

Re: GEMB/CLI Approval discrepancy?

Anonymous — Tue, 14 Oct 2008 19:58:44 GMT

I think that all of your are misunderstanding what I was saying. Do correct anything that is wrong.

Typically your GEMB account (or any other other) has a greater possibility of getting a CLI after it is six (6) months old. After that point, you could hit the CLI. However, I have experienced that some CLI's with GEMB will still not get approved at that point in time. GEMB wants to see typically four (4) months of experience at the current CL. However, if it's not six (6) months old at least, I have not had the ability to get a CLI. They like things such as PIF, a lot of money going through, and use of the card each statement. It doesn't even have to be that much. On some of my accounts HSN (got in January) and Dillard's (also got in January), I still have not been able to get a CLI. However, with the others that are older than six (6) months, I have. After the CLI is approved and accepted, then you know that you are not eligible for another with them for three (3) to four (4) months. That means that you DO NOT need to even think of hitting the CLI button until then.

Now am I making sense? This is all based upon my experience with GEMB. I have the following with the patterns shown:

01/08 HSN $200 CL ---- No CLI to date

01/08 CareCredit (1st card) $5,000 CL -- No need for CLI

01/08 CareCredit (2nd card) $5,000 CL -- Upped from $3,000 to $5,000 at activation

01/08 Dillards $250 CL -- No CLI to date

01/08 JCPenney $1,500 CL -- Started at $150 -- Upped to $1,500 09/08

01/08 Lane Home Furnishings $2,000 CL -- No CLI to date

04/08 QVC $900 CL -- No CLI yet -- October statement is six (6) months

04/08 SHOPNBC $1,500 CL -- No CLI yet -- October statement is six (6) months

04/08 Lowe's Consumer $6,500 CL -- No CLI yet -- October statement is six (6) months

04/08 Kirkland's $600 CL -- Started at $500 -- Upped to $600 09/08 -- Used often

04/08 Wal-Mart $475 CL -- Started at $400 -- Upped to $475 09/08 -- Used often

07/08 Meijer $500 CL -- No CLI yet -- January statement is six (6) months

Re: GEMB/CLI Approval discrepancy?

score_building — Tue, 14 Oct 2008 21:09:24 GMT

i'm not clear how your explanation relates to your previous recomendation to request a cl once a month, which would probably be a fairly risky thing to do with any issuer...

just out of curiosity, may i ask, why you would want 12 store cards? and how is it possible to have 2 separate care credit accounts?

Re: GEMB/CLI Approval descrepency?

Anonymous — Tue, 14 Oct 2008 21:31:20 GMT

If seems like I have offended with these posts. If so, sorry!

With CareCredit, you can apply for an Individual account. If they cannot approve you for the amount that you need (surgery occurred back in March), then they give you the option to apply with a Joint Individual and that will create a 2nd account. That's how they do it. I dont' agree with that philosophy, but that's just the way that it happened. For right now, helps with utilization anyway.

Why do I have so many store cards? I am establishing myself and continuing to do so quite well. All cards will help with utilization and these are all cards that I would by no means use everyday. I feel more secure that way. There are people here that have far more than I do by all means. GEMB has just been good to me and continues to do so. On major purchases with 0% interest comes in quite handy.

As far as all of the questioning on this, I won't respond any further on this. Hopefully I have helped someone. Again, sorry if I have offended some of you.

Best of luck!

Re: GEMB/CLI Approval discrepancy?

MsKiwi — Wed, 15 Oct 2008 17:14:16 GMT

@Anonymous wrote:
I think that all of your are misunderstanding what I was saying. Do correct anything that is wrong.

Typicallybeen able to get a CLI. However, with the others that are older than six (6) months, I have. After the CLI is approved and accepted, then you know that you are not eligible for another with them for three (3) to four (4) months. That means that you DO NOT need to even think of hitting the CLI button until then.

Now am I making sense? This is all based upon my experience with GEMB. I have the following with the

07/08 Meijer $500 CL -- No CLI yet -- January statement is six (6) months

I get it now, I thought you meant to hit the luv button every month no matter what. Gemb likes you apparently.

I really like the spell check option!

Message Edited by MsKiwi on 10-15-2008 10:14 AM

Re: GEMB/CLI Approval descrepency?

scottie_mommy — Wed, 15 Oct 2008 18:38:40 GMT

I have 3 GEMB accts.

Discount tire: CL $1000 have had it since 04/2004

CareCredit: CL 2500 since 03/2008

HSN: CL 300 since 09/2008

I applied for CLI on CareCredit in May (denied- the card was maxed out, it was before I found myFico, now I would say, DUH!!! Don't do it! oh well)

Got $300 on HSN last month. Gonna charge $80 a month for the next 4 months and pay $75 each month. (I bought something on flexpay lol)

I figured since I have had the Discount Tire card the longest I would apply for a CLI (current util at 50%, promo ends in Dec will PIF before then) to help lower my util. I only use that card in emergencies (I had to buy 2 new tires thanks to some wonderful nails....$750 nails, apparently)

The CLI was denied! I applied over the phone through the automated systems. I just typed up a recon letter, but has anyone had better luck speaking to a live person?? I hate waiting, wishing and hoping that they got my letter, are actually gonna read it and care.

Re: GEMB/CLI Approval descrepency?

score_building — Wed, 15 Oct 2008 19:10:48 GMT

@Anonymous wrote:

As far as all of the questioning on this, I won't respond any further on this. Hopefully I have helped someone. Again, sorry if I have offended some of you.

Thanks for your response, i simply did not follow the explanation, no offense meant or taken.

Re: GEMB/CLI Approval descrepency?

Anonymous — Wed, 15 Oct 2008 19:11:27 GMT

I tried yesterday and hit the love button on my Lowes account and got $50.00 Increase. Turned down on

Walmart, that card is 1 week old so I expected that.

Re: GEMB/CLI Approval descrepency?

Anonymous — Wed, 15 Oct 2008 19:23:37 GMT

Sorry to hear the your CLI's for GEMB have not worked out. As far as I know, and most here should be able to clarify, GEMB "DOES NOT" accept recons. They will not do it for: CLI's, Denclined, "unable to verify identity", etc. They just simply refuse. I tried whenever I first couldn't get Lowe's and Kirkland's. Guess what they response was back in January whenever that happened? "Thank you for your inquiry on the Lowe's / Kirkland's Consumer Credit Card. Per your request, please complete the enclosed credit apply to apply. We welcome the opportunity to process your application." DDUUHHH....I threw those in the trash.

GOOD LUCK ALL!

Re: GEMB/CLI Approval descrepency?

scottie_mommy — Mon, 10 Nov 2008 20:46:53 GMT

Applied for CLI on Care Credit and Discount Tire. Sent recons for both, both still denied.

However, I was approved for a Lowes card with CL of $700 yesterday and got an HSN card in the last week of Sept for $300.

I'm confused, had the discount tire card since 2004, never had a CLI. Oh well, I'm happy for the Lowe's card...we can finally install a mantel!