topic Re: Does GEMB allow you to have more than one card? in Credit Cards

Does GEMB allow you to have more than one card?

valley_man0505 — Mon, 30 Mar 2009 15:15:50 GMT

I have had a GEMB Wal Mart card for almost 7 months now. I am closing on a house today and I would like to have a couple of the bedrooms carpeted before moving in and I would like to do this through Lowe's. I would like to apply for credit since they have some specials if you use their store card for your purchase. Will they automatically turn me down since I already have the Wal Mart card with them?

Re: Does GEMB allow you to have more than one card?

Anonymous — Mon, 30 Mar 2009 15:26:56 GMT

GE does not have a limit from what I know I have 3 cards with them. I think one member on here has like 6 or 7 cards with them.

Message Edited by mjbfan79 on 03-30-2009 10:26 AM

Re: Does GEMB allow you to have more than one card?

Anonymous — Mon, 30 Mar 2009 15:55:04 GMT

I have 5 "store" cards with them. As far as I know, they don't have a limit.

Re: Does GEMB allow you to have more than one card?

Anonymous — Mon, 30 Mar 2009 16:13:35 GMT

I'm not sure if GEMB has a limit on cards you can have with them. However I can attest to the fact that they will not automatically deny you if you have a Walmart and a Lowe's card. I have both of these cards myself. Good luck!

Re: Does GEMB allow you to have more than one card?

Anonymous — Mon, 30 Mar 2009 16:26:33 GMT

I agree GEMB will allow more than 1 card with them.

Jc Pennys.

Sams Club.

Chevron.

Wal Mart.

Re: Does GEMB allow you to have more than one card?

marty56 — Mon, 30 Mar 2009 17:18:29 GMT

I have Chevron and Sams.

Re: Does GEMB allow you to have more than one card?

Anonymous — Mon, 30 Mar 2009 17:23:38 GMT

I have to agree with everyone else. I personally have:

WalMart

Chevron/Texaco

Old Navy

Bass Pro

I have had mine less than a year and from what I have gathered they can be pretty stingy with the CL's. But they are Bk friendly. Mine Bk was 4/04 and low 600's score when I was approved for them. They pulled exclusively EQ for me in Washington St..

Re: Does GEMB allow you to have more than one card?

Anonymous — Mon, 30 Mar 2009 18:21:14 GMT

I agree with them allowing mroet han one card because I too have more than one account. Chevron/Texaco, Belk and Sams.

Re: Does GEMB allow you to have more than one card?

Anonymous — Tue, 31 Mar 2009 01:11:17 GMT

I have a Walmart Discover, Lowes, Chevron Visa, and Ebay Mastercard all through GEMB

Re: Does GEMB allow you to have more than one card?

Anonymous — Tue, 31 Mar 2009 01:13:42 GMT

Can I hop onto this thread, info might be useful to OP as well?

I am also considering Lowes, as I plan to close in a few weeks. However, don't want to waste an inq. on a low limit card. Those of you that have a Lowe's card...was GEMB more generous with their limits than normal...and have you been victim of their rash of CLDs?

Re: Does GEMB allow you to have more than one card?

Anonymous — Tue, 31 Mar 2009 01:38:45 GMT

I have a JC Penney and a Belk.

My mom has Wal-mart and Belk.

I did app for a Dillard's but I was denied for too many inq's ...go figure. I got those inq applying for those cards. I love my GEMB cards. We already have gotten a CLI on the JCPenney. They are a little stingy with the CLIs when you ask, but the auto CLIs seem pretty generous. The JCP went from 200 to 1000. Still not a lot but my scores were in the low 600s then.

Re: Does GEMB allow you to have more than one card?

UpNUp — Tue, 31 Mar 2009 01:54:33 GMT

Lowes approved me instantly in July, 2008 with 2K starting CL. In January, 2009 they doubled it to 4K. Always PIF.

Re: Does GEMB allow you to have more than one card?

Anonymous — Tue, 31 Mar 2009 04:49:55 GMT

I have had a Lowes card since 2000 and it went from a $2000 and now it is at $6050 and has never been cut. All CLI were auto since I never asked for one..

Re: Does GEMB allow you to have more than one card?

valley_man0505 — Wed, 01 Apr 2009 14:05:46 GMT

Thanks for all the replies everyone. I have not yet decided if I will try for the Lowe's card or not. I was able to close on the house on Monday, so we spent all day yesterday trying to decide which projects to tackle first with the cash we had combined with any credit that I "might" be able to get. Ultimately, I decided to take a shot at getting some carpet financed from a local outlet store who uses Wells Fargo and American General. I got denied from both of their financing sources. Now, I would still like to consider a Lowe's card. However, I just got dinged with two inquiries yesterday, and I have a secured CC from US Bank that I want to try unsecuring (need to reach EQ 680) and I will also be needing a more reliable vehicle soon. If I knew I could get a reasonable CL, it wouldn't be so bad because it wouldn't be much of a UTL hit. Even then, I don't want to do anymore damage to my AAoA.

Decisions, decisions...

Re: Does GEMB allow you to have more than one card?

Anonymous — Wed, 01 Apr 2009 15:02:49 GMT

oh man. We will be in the same boat. Hopefully we can get the lowes card so we can buy appliances. We will be paying back the $$ once our Tax Credit comes in.

Hopefully Lowes will be nice

Re: Does GEMB allow you to have more than one card?

Anonymous — Wed, 01 Apr 2009 16:58:58 GMT

They approved me for $500 last year in April and I'm currently at $1,100.

Message Edited by YoungEntrepeneur on 04-01-2009 09:58 AM

Re: Does GEMB allow you to have more than one card?

Anonymous — Wed, 01 Apr 2009 17:31:06 GMT

Regarding the Lowes' card, I was initially approved for $600 in May 2008. I had a ton of inquiries due to my mortgage shopping and refinancing my car. I'm at $2700 and I occassionally use the card. However I do use the card for the 0% financing. But I do PIF.

Re: Does GEMB allow you to have more than one card?

Anonymous — Wed, 01 Apr 2009 19:16:00 GMT

Regarding the Lowe's card, has anyone had any experience with getting GEMB to increase your limit if your CL isn't sufficient for your purchase at the store?