GEMB Is Being Kind to me this Week/ And I am Enjoying My Successes

[Anonymous]

Maybe it is because both my Equifax and TU hit over 600 this month, but GEMB, who previously turned me down for everything has given me two approvals in three days.  I am hoping for a third one.  I need to see what Walmart has to say.

Before coming to these forums in January of 08, I had  1 Orchard Bank w/ $300.00 limit from 8/07.

Since January, I got most of these cards with a 4.5 y/o bankruptcy, judgments and scores below 600.

January 

HSBC Disc with $1600 CL     now at $2200. from combining with other Direct Rewards

Capital 1 Visa with $500.00    now  at $1000.00 expecting another 500.00 by next month

Target $200.00

February

HSBC Plat. MC $1100

March

Firestone $1200 (does not report CL)

April

Paypal Buyer Credit (GEMB) $600.00

JC Penny $250 (GEMB) just got approved tonight.

Walmart (GEMB) waiting to hear

Orchard Bank CLI from $300 to $400

Just a few months ago I thought credit was totally out of her reach EVER again!  It feels good to be starting over, even if I have to crawl!   I apped for store cards just to get utilization down, the great thing is that I am now starting to get approved where I actually shop.  I mean, yeah... I actually do use paypal!  Coming from ten years of financial ruin, I have no problem waiting for any of these cards to grow with me!

My fico scores have been dropping this month because of utilization on the other cards, but in the past 4 weeks I have gotten $1750 in CLi's and new TL so my scores should start to trend upwards again.

I am very excited.  Once again, thank you all for your help.

C/M

AKA RecoveringMyLife

Message Edited by Changingmantra on 04-21-2008 11:15 PM

Message Edited by Changingmantra on 04-21-2008 11:16 PM

Message Edited by Changingmantra on 04-21-2008 11:36 PM

Message Edited by Changingmantra on 04-21-2008 11:43 PM

[jaxstraw]

Congrats !!!
I did the same thing a month and a half ago. My EQ score reached the mid-600's and I applied for GEMB cards because I knew they only pulled EQ in my state.
I got the first two (LOWES 700CL and MensWarehouse 700CL) but was declined the third.
This was before I used these boards. Since then I found out that GEMB is tricky, they follow no set pattern and could approve some and decline others for no apparent reason.
Good Luck.

Jax

[Anonymous]

Thank you and CONGRATS to you too.

Yeah, I had applied for GEMB cards just a couplle of months ago, but was a no go.  Saw some people (with higher scores of course) had some success last week, so I applied for the Paypal MC and got the PayPal Buyer Credit instead, which I not mad at.  This works out well for me.  Then I tried for the Walmart card, but accidentally submitted the Discover Network card.  I got the 7-10 day notice.  I resubmitted the application for the Walmart card and STILL got the 7-10 day notice.  This was Friday night.  On Sat. I called CS and told them to cancel the Disc. application.  She did, but said that the Walmart application was still processing so she could not tell me the status. 

 Last night, I was reading about people's success with JC Penny and thouht I would give it a try.  I had already been turned down and really did not think much of my chances.

My goodness, when I was about 25 or so, I remember cancelling this card because it just wasn't worth having, no matter how high my limit.  Fifteen years later, I am ecstatic over a $250 CL!

Message Edited by Changingmantra on 04-22-2008 03:44 AM

[Red1Blue]

Congrats...

[Anonymous]

Found out today that I got declined for Walmart.  For some reason, I thought that Walmart would be easier to get than JC Penny.  Go figure!

[Anonymous]

Changingmantra I'm curious if you included any GEMB in your BK? I really would like the Paypal card but a Sams Club/GEMB got sucked into my 2003 BK7 by accident. I have heard they blacklist if you IIB them.

[unknown_entity]

I think the limit is 2 accounts within 60 days with GEMB,  I may be wrong but I think I heard that somewhere.  Congrats on your approvals though.  I too was denied by GEMB a couple months ago and just got approved for two accounts, Wal-Mart Disc and the eBay M/C.  Maybe they are loosing business and want new customers.  I think it's all the Federal cash they are passing out at record low buy-rates.  The CCC's need to hook everyone up now for maximum profits. IMO.

[Anonymous]

No Contractor, at the time of my BK I did not have any GEMB cards that I know of...

So I am currently only being black listed by the likes of Chase, Citibank, Discover, Best Buy etc. 

[Anonymous]

oh... just posted this in another thread, but I don't know UE.  I got an email today saying I was declined because they cannot verify my identity.  I dont get that.  I actually applied for the Walmart between getting the Paypal and applying for the JCP.

[Jesedmotherof5]

GEMB hates me! Do you think they will concider recon letters? Two declines this week. CLI on sams club and a LOWEs (business). I got Business approvals for Home depot, Shell and staples... verdict still out for Walmart and Arco... so are they just tougher then citi?