GEMB Partner Cards

[Anonymous]

Who sets the approval standards for the partner cards?  Is it the store or GEMB.  It seems that some of their cards are easier to get than others.

WBLAKE

[Anonymous]

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WBLAKE wrote:

Who sets the approval standards for the partner cards?  Is it the store or GEMB.  It seems that some of their cards are easier to get than others.

WBLAKE

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It's a combination of both.  GEMB has certain minimum standards, but different stores have certain underwriting standards that GEMB adheres to for those particular cards, as well.  So your observation that some GEMB cards are easier to get than others is correct.

Message Edited by cheddar on 03-27-2008 02:02 PM

[Anonymous]

when i apply last Oct-07 JCPENNY $600cl,MERVYN'S $300cl,& JAN-01-08 WAL-MART $500cl,and on 01-02-08 GAP DECLINED .

So is that mean GAP is hard to get ?

[Anonymous]

i apply for dillard's denied next day apply for wal mart 1500 cl.

[Anonymous]

Might be a good idea to just pay cash for items instead of trying to get credit.  If you do not have the money to pay cash for the item you want to buy, do you really need to buy it?

Any store using GEMB for their credit card service is undoubtedly marking up their goods a large amount which you pay for either way. If you are getting denied for credit cards that is a good sign you need to slow down with the credit applications. All this fuss and worry about credit approvals and denails and it seems like just good old common sense might be what you really need. Try buying things that you actually can afford and have the money to pay for. I guess we do live in an Idiocracy when it comes to credit.

[Creditaddict]

wow new visitor, I think your missing the point of this forum. It's not about buying stuff we can't afford, it's about helping eachother out with experiences and fixing (Maybe for some) past mistakes, and that includes getting new credit to slowly erase those old mistakes.  Some do carry balances, but you will find many of these posters pay there credit cards in full before or on the statement and have very little or no debt.

[Anonymous]

Try going for an old navy card, I think you can use those at the GAP. I was approved for an old navy visa after having a paid charge off with old navy within the last 2 years.

[Creditaddict]

does anyone know if old navy is bk 13 friendly (like still open bk) scores?

[Anonymous]

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cambriaguy55 wrote:

Might be a good idea to just pay cash for items instead of trying to get credit.  If you do not have the money to pay cash for the item you want to buy, do you really need to buy it?

Any store using GEMB for their credit card service is undoubtedly marking up their goods a large amount which you pay for either way. If you are getting denied for credit cards that is a good sign you need to slow down with the credit applications. All this fuss and worry about credit approvals and denails and it seems like just good old common sense might be what you really need. Try buying things that you actually can afford and have the money to pay for. I guess we do live in an Idiocracy when it comes to credit.

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You are confusing credit with debt.

Having (and using) credit is not at all the same as having debt.