topic Amazon/GEMB Card Question.. in Credit Cards

Amazon/GEMB Card Question..

darkknight59 — Sun, 05 Jun 2011 10:18:53 GMT

In May I was approved for a CARE Credit account via GEMB for 3300 (Sick pugs are expensive!!),

Also I had showed about 900 on my BOA, which with totaled with the Care Credit showed a 44% utilization!! Both cards now are paid in full, post about 1.5 weeks ago!!! (Bonus) So now my actual utilzation is 0!!

Based upon the Care Credit approval how should I fair with obtaining this card?? (Looking at a Mac)

MyScores EQ & TU are 684 & 683 (score from MyFico) and do not reflect the credit card payments.

Re: Amazon/GEMB Card Question..

Anonymous — Sun, 05 Jun 2011 11:40:18 GMT

I'm not sure if they will pay attention to your good history with CARE Credit - they may or may not. If you apply online, I think that the decision is made automatically via computer and that is probably almost purely score-based. Maybe calling in your application will give you a chance to point out your history with GEMB and possibly lobby for a higher starting limit.

However, in February 2011, I was approved for the Amazon GEMB store card with scores nearly identical to yours. My starting limit was $600 (just CLI via luv button to $1,000). I've read some that have received higher starting limits, but most I've seen are in the $400-$1,000 range.

Good luck.

Re: Amazon/GEMB Card Question..

darkknight59 — Sun, 05 Jun 2011 11:55:41 GMT

Thanks for the feedback!! I'll delay until my cc acounts post the new balance and utilization and I get the score bump!

Re: Amazon/GEMB Card Question..

smc733 — Sun, 05 Jun 2011 13:04:59 GMT

Why not wait and get the Apple Barclay's Visa? Does Amazon even have the new Sandy Bridge Macbook Pros yet?

Re: Amazon/GEMB Card Question..

darkknight59 — Sun, 05 Jun 2011 13:09:14 GMT

I would buy on Amazon and yes they do have the new Quad 4 i5 iMac and with my Prime membership I get free 2 day shipping and pay no sales tax on Amazon.

On the Apple site...no such luck.