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GE Capital

Established Contributor

Re: GE Capital

I also think there would be a better chance at 650+....

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 21 of 27
Frequent Contributor

Re: GE Capital

Amazon credit card is also issue by GE Capital retail bank and application states you have to be clear from bankruptcies so is jewelry account are underwrite differently than a credit card by GE, just curious. I'd like to know if they re BK friendly as Barclay

Message 22 of 27
Valued Contributor

Re: GE Capital



what type of sony card that u have from GE?


cz  i have sony visa reward card from cap1.....had it since april.

 photo QS visa_zps7zokw2wl.jpg photo QS visa_zps7zokw2wl.jpg photo Venture One_zpsigvttrlz.jpg photo Sony Visa_zpsxoradr1b.jpg photo USC Reward_zpslcvjfxmq.jpg photo Penfed Promise_zpsdg1y2dw2.png photo NasaFcu_zpswac3zwcu.jpg photo America_zpsuwx8rzdm.jpg photo LA-Kings-card_zpslbkyeqsz.png photo Barclay_zpslqv3i4tl.jpg photo BBVA_zpsqrhh7omh.jpg
 photo nfcu debit card_zpsprkh98jw.png photo nfcu visa siggy_zps0gjgyxje.png/ photo nfcu goReward card_zpsixhh1qcp.jpg photo sdfcu platinum card_zpspilihdiv.png  photo penfed reward cash_zpsyckxjc7y.png photo alliant visa_zpsaf4udfx0.jpg photo Citi Secured_zpsypzxi0jm.png photo fnbo platinum_zpsxfub6esb.png photo marvel-credit-card_zpsfkvc3ux5.png photo golden 1 CU_zpslhgxynjv.pngBurned AECitiChase
Message 23 of 27
Valued Contributor

Re: GE Capital

Zelaya wrote:

Hello, I'm considering buying a watch and would like to finance 50% with no interest for 12 months, does anyone know if they're BK friendly and what fico score is needed. Also what bureau do they use. If anyone has applied for GE Capital products please give me your thoughts with cons and pros.

AFAIK, GE is not too harsh with BK, as long as it is "old."  I would think mid 600's would be good as a score. GE pulls TU, mostly. Good luck to you!

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Message 24 of 27
Established Contributor

Re: GE Capital

I'm just over 6 mos. from BK7 discharge. TU fakos are 650-665 (haven't had a TU denial letter recently, don't know Fico.) I applied a few months ago for Walmart (GE) and denied, hit the post-6 month mark a few days ago, and tried again yesterday. Approved for Walmart $400, then approved for Amazon $600, then 7-10 day msg. for TJX. All 3 were TU pulls.

You could test the GE water with Walmart, it's worth it for the free Fico if approved.
Message 25 of 27
Moderator Emerita

Re: GE Capital


I have the Sony Financial Services backed by GE. I got it on Mar 9, for the specific purpose of using the 36 mo -0% APR for 2 TVs I purchased. I did not app for the Visa for 2 reasons- they weren't offering the 0% promo and I personally don't care for Cap 1.
Message 26 of 27
Frequent Contributor

Re: GE Capital

While this board seems to have only love and support 94% of the time.  Let me offer the idea that perhaps wanting to finance a watch over 12 months is not unrelated to your current credit score?


I'm curious to know - or more precisely - curious if you know your net worth and monthy cash flow.  Your problem may go well beyond worrying about which report GE pulls.


edited 'cause I am a bad typist

FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.

BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k

Message 27 of 27