GEMB denied me for a Lowe's card while approved me for JCPenney card for $200.
I'll give Lowe's card another try in the future.
So I applied for the TJMAXX Card. Approved 200.00$ CL
I applied for the Banana republic Card. Approved 400.00$ CL
JCPENNY CARD 500.00$ CL
And heres the deal with this just in case you get that 7-10 Day Message. If you call this number 1-866-246-4282 within 48 hours of that 7 -10 Day message, chances are you will get approved.
I appled for the Gap card and got the "Will send you an letter within 7-10 days of our decision" the next day i called the Underwriters number and said, "I think my application need further verification?" ( a lie of course) and the woman said oh sure hold on. She brought up a few questions and said your approved!!
She also said if you ever get that message to call wtihin 48 hours and most likely GEMB will review your application once more.
Congrats!!! I've received a good amount of $$$ benefits from my JCP card. And DH has Lowe's -- another GEMB card -- which gives him 5% off right at the register.
Good call on the 7-10 day message. I received that message when I applied for Dillard's -- yet another GEMB card. They called me the next day and wanted verification. I answered a few questions and was told that I was approved for the Amex version. So nice going by being proactive and calling them!
Apped all online. Acutally Started with the TJMAXX cuz I shop at marshalls a lot. Approved first. Then I tried Banana I got appoved there also for 400. Then I was in the mood to pull the trigger again and JCPenny gave me 500. Before I was denied for all 3 about 5 months ago.
texasman07, congratulations on your approvals.
I've done alright with GEMB as well:
JC Penney $1500
I got them one per month -in the order listed- starting in March of this year. The Chevron was on a pre-selected mailing. They pulled TU for all of them and I'm in California.
I've always appreciated what GEMB has done for me. Amazon Store Card at $2700, PayPal SmartConnect at $1700, consistent auto CLI's, very liberal when it comes to GEMB and my credit profile.
Starting Score: EQ 546 TU 540
Current Score: EQ 654TU 680 EX 660 (Thru CCC)
Goal Score: 700
I noticed you posted your current scores for all three (EQ, TU and EX) through "CCC". What is CCC? Thanks!