JCPENNEY CARD???

[tray]

Hi, I thought JCPenny for cli's was a soft pull, has anyone had a soft pull done, thanks.

[mrsgavin]

I was applied and was approved for 3 in one day Jc Penny/Walmart/Chevron. 150/600/650 limits. I had to go into store to get limit raised from 150 to 1000. I have high utilization on all but 2 accts out of 9. My equifax score was 650-620. Applied 06/09/09.

[Anonymous]

thanks tx - wasn't sure which board I read that on.

Glad to hear there was some time between your applications - that means we may have some leeway.

Hey - what do you think about DH & JCP?  Should he just app for a new card in the store?  Or should he try to make some connections and see if they'll reinstate his old card (he had closed in 01).  He could use the history......but it seems like a long shot.

[Anonymous]

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@utah2009 wrote:

thanks tx - wasn't sure which board I read that on.

Glad to hear there was some time between your applications - that means we may have some leeway.

Hey - what do you think about DH & JCP?  Should he just app for a new card in the store?  Or should he try to make some connections and see if they'll reinstate his old card (he had closed in 01).  He could use the history......but it seems like a long shot.

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They won't reinstate.  The closest you can come to "reinstate" is with AMEX "member since" dates.  The backing banks are not the same now as they were 10 and 20 years ago.  In fact, 20 years ago most of the big dept stores had their own credit departments and made internal decisions.

Now credit is farmed out to third party finance companies (except Nordstrom who still has their own bank).

So if DH wants/needs a JCP, he will need to apply.

[WannaHouse]

My GEMB history:

Got Paypal first: 300CL (Nov 07)

1 year later applied for Gap (400cl) Old Navy (400cl) and JCPenny's (400cl) and WalMart (2000 cl)  In Aug. 08

Guess they love me!  LOL 

[Anonymous]

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@utah2009 wrote:

lessons learned:

Does GEMB have a limit on number of cards in a certain time frame?  Another poster was approved for Care Credit and Rooms to Go (Both GEMB) in the same week.  Maybe the first didn't show up when the second pulled the CR?

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I applied for and was approved for 2 GEMB accounts on the same day back in Feb. - Walmart and Lowe's. I applied for ONavy, also issued by GEMB at the end of June, also approved. All pulled hard from TU and they are the only IQs on my TU report. Funny thing is, they are all listed individually as 3 hard pulls, yet in my score analysis section, "Understanding Your FICO® Score", it reads, "Your applications for credit in the past year : 1 inquiry". This is from my MyFico report, and I'm guessing it's reading that way and maybe calculating as 1 pull also (if it is ??) because they are all from GEMB:

Inquiries that may be affecting your FICO® score

Total: 3 Times

 Date Company making the inquiry

June 30, 2009 Gemb/Old Navy

February 16, 2009 Gemb/Lowes

February 16, 2009 Gemb/Walmart

Go figure....?

[Anonymous]

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@Anonymous wrote:

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@utah2009 wrote:

lessons learned:

Does GEMB have a limit on number of cards in a certain time frame?  Another poster was approved for Care Credit and Rooms to Go (Both GEMB) in the same week.  Maybe the first didn't show up when the second pulled the CR?

---

I applied for and was approved for 2 GEMB accounts on the same day back in Feb. - Walmart and Lowe's. I applied for ONavy, also issued by GEMB at the end of June, also approved. All pulled hard from TU and they are the only IQs on my TU report. Funny thing is, they are all listed individually as 3 hard pulls, yet in my score analysis section, "Understanding Your FICO® Score", it reads, "Your applications for credit in the past year : 1 inquiry". This is from my MyFico report, and I'm guessing it's reading that way and maybe calculating as 1 pull also (if it is ??) because they are all from GEMB:

Inquiries that may be affecting your FICO® score 

Total: 3 Times

 Date Company making the inquiry

June 30, 2009 Gemb/Old Navy

February 16, 2009 Gemb/Lowes

February 16, 2009 Gemb/Walmart

Go figure....?

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Interesting....GEMB pulled my EQ for Care Credit and Rooms to Go.  And they show as "GEMB" and no subname.  I guess GEMB pulls different depending on the region too???