Amazon/GEMB Card Question..

darkknight59 · ‎06-05-2011

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.

NASA FCU 25000 NASA FCU LOC 25000 NFCU Flagship 70,000, CITI Prestige 22000, CITI Premier 7400, Chase Freedom 15000, Amex Green Card, Amex Gold, Amex Every Day 15000, Amex Costco 15000,Amex BCE 15,000, NFCU LOC 15000, Tobyhanna Visa 10,000, Chase Slate 9500, Discover IT Miles 11,000, BOA Travel Rewards 25,000, Barkclay Apple 6000, Zales 5,200 ,Amazon Store 5,000, Paypal SC 5000, Capt 1 Venture 7,250, Cap 1 Plat Pret 5400, Conns' 5,000, NFM 3500, Care Credit 3300,, Barclay Rewards 1500 BML 2,900,

Anonymous · ‎06-05-2011

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.

darkknight59 · ‎06-05-2011

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

NASA FCU 25000 NASA FCU LOC 25000 NFCU Flagship 70,000, CITI Prestige 22000, CITI Premier 7400, Chase Freedom 15000, Amex Green Card, Amex Gold, Amex Every Day 15000, Amex Costco 15000,Amex BCE 15,000, NFCU LOC 15000, Tobyhanna Visa 10,000, Chase Slate 9500, Discover IT Miles 11,000, BOA Travel Rewards 25,000, Barkclay Apple 6000, Zales 5,200 ,Amazon Store 5,000, Paypal SC 5000, Capt 1 Venture 7,250, Cap 1 Plat Pret 5400, Conns' 5,000, NFM 3500, Care Credit 3300,, Barclay Rewards 1500 BML 2,900,

smc733 · ‎06-05-2011

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

darkknight59 · ‎06-05-2011

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.

NASA FCU 25000 NASA FCU LOC 25000 NFCU Flagship 70,000, CITI Prestige 22000, CITI Premier 7400, Chase Freedom 15000, Amex Green Card, Amex Gold, Amex Every Day 15000, Amex Costco 15000,Amex BCE 15,000, NFCU LOC 15000, Tobyhanna Visa 10,000, Chase Slate 9500, Discover IT Miles 11,000, BOA Travel Rewards 25,000, Barkclay Apple 6000, Zales 5,200 ,Amazon Store 5,000, Paypal SC 5000, Capt 1 Venture 7,250, Cap 1 Plat Pret 5400, Conns' 5,000, NFM 3500, Care Credit 3300,, Barclay Rewards 1500 BML 2,900,