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Does GEMB/GE Capital Bank Limit Store Cards?

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debtfree09
Regular Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

I just apped (all in same day) and was approved for:

 

Lowes-$500, called and was approved for $1000.

Care Credit $1000

Paypal $700

Penney's $300 (going to recon this as I just got my first job in an office in 18 years-been working at home for all that time)

Amazon $1400 (had to call in for this as I got the 7-10 day)

Walmart $800

 

DH apped for Lowes and Walmart


Scores mid 600s across the board.

 

Message 11 of 18
CardsLifeLine
Frequent Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

Well it's interesting journey for me ... I do have good number of cards from GE as of now ...
Here we go with the list
PayPal master card - 3k
Gap store card - 2.5k
Walmart discover card - 1k
JCP - 250
Toy r us master card -500
TJRX - 400k
AE store card - 300
Amazon store card - 1k

I applied last 4 cards on same day and called each support line to get it approved.
CL is less for most cards, however I feel I can spend couple of bucks on each and maintain credit utilization optimal.
I love these cards as each one comes with good promotional offers and rewards which u can claim for a long run.
USBank Cash+(14K)/Penfed Rewards Visa Sigg (25K)/ Penfed Promise card (5K)/ Penfed Amex Travel Rewards card(20K)/AMEX ZYNC (NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE FREEDOM(4K)/Chase Salte(12K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(3K)/Salie Mea (5K)/DISCOVER IT(7K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(400)– Total 31 Cards
Message 12 of 18
indiolatino61
Valued Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?


@CreditCrusader wrote:

I currently have the GEMB CareCredit ($800 CL), Wal-Mart ($600) and JCP ($200 Smiley Mad ), but I was denied by Meijer very shortly thereafter and I'm wondering whether GEMB places a cap on how many of their cards they will allow you to have. I'd very much like the Amazon.com store card for and its terrific no-interest deals for the holiday season, but wonder about whether GEMB cuts off potential applicants after a time.

 

Any thoughts?

 

Edited for additional question:

 

Also, who does GEMB/Amazon store card pull? I have read varying accounts where they stray from TU and pull EQ.


Maybe apping for too many in a short time will be denied, but total # of cards I don't think will be limited as long as you don't reach any internal CL wall they may have.

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Message 13 of 18
zerobacan
Established Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

Lol indio you are quoting a 2011 post...
Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 14 of 18
youngandcreditwrthy
Senior Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

I have at least 5 and about $90k in unused credit from them lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 15 of 18
youngandcreditwrthy
Senior Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

The internal limit is $100k.
This is per a GE Banker.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 16 of 18
kimmiller112
Frequent Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

I have 7, ranging from $400 to $3000.  They are spread out over 3 years.  Apping for cards in a short period of time can raise a red flag with them and lead to cancellation of  or making inactive all GE cards.  They will not let you exceed a total credit limit of $100,000.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 17 of 18
jamesdwi
Valued Contributor

Re: Does GEMB/GE Capital Bank Limit Store Cards?

I have oldest is 2 years 1 month, first two were 9 months apart, and the last two same time...  all started at less than 1k limit except for the Paypal started at 2k. No calls to the underwriter, just luv button on the site or automated phone system or Auto-CLI's

 

Amazon  3.9k   25 months

Walmart 2.5k    18 months

Sam's Club 4.8k 9 months

Paypal Extras Mastercard  3.2k 9 months 

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 18 of 18
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