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Thanks GEMB!

Valued Contributor

Re: Thanks GEMB!



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.

Message 11 of 18
Moderator Emeritus

Re: Thanks GEMB!

@texasman07 wrote:

So I applied for the TJMAXX Card. Approved 200.00$ CL

I applied for the Banana republic Card. Approved 400.00$ 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. Smiley Happy


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!

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 12 of 18
Regular Contributor

Re: Thanks GEMB!

Congrats! Did you apply online or in store? I applied in store because I figured I would have a better chance of approval and was denied. Then I called the backdoor number and she said that she could only review applications from online not in store. Sounded fishy to me. But that was about two months ago, going to try again at maybe the end of the year.

Starting Score: EX 631 EQ 629 TU 646 1/18
Current Score: __
Goal Score: 710

Take the FICO Fitness Challenge
Message 13 of 18
Established Contributor

Re: Thanks GEMB!

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.

Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 14 of 18
Valued Member

Re: Thanks GEMB!

texasman07, congratulations on your approvals.


I've done alright with GEMB as well:


JC Penney $1500

Amazon $900

Chevron/Texas $350


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.

Message 15 of 18
New Visitor

Re: Thanks GEMB!

How did you gets urs to increase so much in so little time ?

Message 16 of 18
Frequent Contributor

Re: Thanks GEMB!

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. Smiley Happy


Message 17 of 18
Established Member

Re: Thanks GEMB!

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!

Starting Score: 609
Current Score: 609
Goal Score: 700

Take the myFICO Fitness Challenge
Message 18 of 18
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