Re: GEMB Store Cards

marty56 · ‎11-03-2008

Chevron and Sams. They are 2 out of the 3 CCs that I have. Sams card started at $300 and is now at $3100 after 4 years. While I was in DMP, it saved my bacon many a time. I also never asked for CLI's. I think my last CLI was last year from 2400 to 3100. No idea why.

1/25/2021: FICO 850 EQ 848 TU 847 EX

spiritcraft1 · ‎11-03-2008

I have lowes and Sam's store cards... I have had them for 3 months, PIF and no action up or down as far as CL's go. I am wondering about their two AMEX products, Universal Studios and Dillards... Anyone with experience? EQ is 720 or so, 5 INQ's and many recent accounts in last 6 months...

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

future · ‎11-03-2008

Ashley furniture is also gemb

Anonymous · ‎11-03-2008

Be careful with ASHLEY FURNITURE. They are GEMB in "some areas". Here in Kentucky ASHLEY FURNITURE is actually CitiFinancial. An easy approval for me. However, having CitiFinancial is a matter of opinion. It does report as a REVOLVING CREDIT LINE since it is a furniture store credit card.

Me personally, I have had excellent luck with GEMB. Received numerous accounts in January, April, and July. Haven't applied for any since then though. The only other one that I want is BELK anyways.

Good luck!

GEMB Store Cards

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