CLI for GEMB "Funancing" is a HARD PULL

[deskjockey101]

Just thought i would let people know, even if this has already been covered. I was on hold for about 35 minutes and I asked for a APR reduce and a CLI. Nope on both. Supposedly the APR was set in stone for the purchase I made last year when I got the card. As to the CLI, she stated that it is a hard pull. I asked if once I got the Util down below 9% (i'm at 15% right now of a 15k limit) if GEMB would "automatically" give a CLI. She said no to that, too. Bummer. If anyone has heard otherwise, please let us know. Good news, i'm waiting to hear back from PenFed on the rewards card.

Message Edited by deskjockey101 on 06-16-2008 07:10 PM

[Anonymous]

I'm not familiar with 'funancing', but I do have a GEMB card that rec'd an auto CLI w/o a hard pull.  My Old Navy went from 300 to 500 (gee, wow).  I have since requested a CLI but am constantly turned down (internally w/o a pull) b/c I haven't shown responsible use for at least 4 months with the new CL.  Even though the increase took place 6 months ago, I guess they want me to actually carry a balance every now and then.  No thank you.

[deskjockey101]

I forgot to mention, this card was applied for at a motorcycle dealership. I take it as a store card. Once I get it down to 1%, maybe they'll reconsider... I don't like GEMB. LO

Message Edited by deskjockey101 on 06-16-2008 09:05 PM