topic Re: JCPennys Approval 2 day:) in Credit Cards

JCPennys Approval 2 day:)

Anonymous — Wed, 02 Jul 2008 19:34:46 GMT

WOW , I love this store I went in to browse and maybe buy a few items!!! Well I went in to pay with cash!!! but by the time another lady applied and got approved I said Maybe I should try I really dont need it or care if I dont get it so why! NOt well it came back APPROVED!!!! 300CL which was ok I still was surprise I got the approval I bought 100bucks worth of items but by the time the discount and sale price I ended up spending 50bucks!!! My day turned out great! Now Im wondering can I call the backdoor number and ask for a CLI bc this is the lowest card all my others are 4digits!!! Does JCP do that upon activating my card I only have a temporary card now?? anyone expeience this, and got the increase?

Re: JCPennys Approval 2 day:)

Anonymous — Thu, 03 Jul 2008 02:51:12 GMT

Congrats on the approval, Mrs.A!

The JCP card is issued by GEMB, which has a reputation of being a very conservative creditor. It's doubtful that you'd get an increase at activation, but there's certainly no harm in asking. The good news is GEMB also has a rep of giving fairly regular (if somewhat small) increases every 4-6 months upon request so long as you give them some action.

If you go for the cli at activation, let us know how it goes. Good luck!

Re: JCPennys Approval 2 day:)

Anonymous — Thu, 03 Jul 2008 03:08:20 GMT

As another note to what lurk has said, GEMB will CLI you after the fourth statement.

That being said, they only generate a statement if there is a balance on the account.

Re: JCPennys Approval 2 day:)

shyboy — Thu, 03 Jul 2008 04:04:52 GMT

hi you should check my post from a few days ago. I talk about how i went from 300CL to a LC of 1500 in less then a year. Hopes this helps you out with this new account.

Just like you, love JCPenny

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=94056&jump=true#M94056

Message Edited by shyboy on 07-02-2008 09:04 PM

Re: JCPennys Approval 2 day:)

Anonymous — Thu, 03 Jul 2008 05:22:50 GMT

I went from 150 CL to 1500 CL on my fourth month when I hit the love button and I only used it once for 36.00 and paid it on line as soon as it would let me. Be patient they are just seeing how you are with them I'm guessing. Congrats on the new card!!!

Re: JCPennys Approval 2 day:)

Anonymous — Thu, 03 Jul 2008 20:52:00 GMT

Hey Thank you Guys! For leting me know your experiences Im excited 2 bc i knw GEMB is strict from the threads ive read!

Re: JCPennys Approval 2 day:)

Anonymous — Fri, 04 Jul 2008 03:20:27 GMT

mrs anderson --

congrats..i went from $200 to $1800 in a short amount of time..i got the card in september and got a cli in jan to $300 and then went from $300 to $1800 in may...good luck!

Re: JCPennys Approval 2 day:)

shyboy — Fri, 04 Jul 2008 04:27:52 GMT

hi guys do you think i should wait another 3months to as k for a cli or call today and tell them that i wanted to make a major purchase but my limit isn't enough. LOL

I think it might work. Who knows.LOL

Re: JCPennys Approval 2 day:)

Anonymous — Fri, 04 Jul 2008 17:40:28 GMT

lol..... it doesnt hurt to ask!!! but ive been hearing banks want to see some type of payment history as tough our darn credit report isnt enough!!! lol GL from reading these post i dont think ill have to ask anyone anything! bc Its just going to come to me!!!

Re: JCPennys Approval 2 day:)

laryn41 — Fri, 04 Jul 2008 22:32:44 GMT

Gap is by gemb correct? is it the same way with credit line increases. I am pretty sure the luv button pulls hard with gap.