TJX Rewards Card In Full Effect With GE

[Anonymous]

Now that GE is backing the card I wish I would have kept my account open. I see you can now apply under the GE name the Interest rate is 26% on the store card an the Mastercard an that is the prime rate they got to be kidding me.

[smc733]

lolwut?

You wanted to keep the account open, but yet the interest rate is 26%....

[Anonymous]

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@smc733 wrote:

lolwut?

You wanted to keep the account open, but yet the interest rate is 26%....

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LMAO the only reason I would have kept it because I know GE would have granted CLI every 4 to 6 months with a soft when I had the card with Chase the interest rate was not all that better I think 22%. But no chance of a CLI without a hard pull. I never carry a balance on store cards. I use them like charge cards PIF every month.

[smc733]

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@Anonymous wrote:

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@smc733 wrote:

lolwut?

You wanted to keep the account open, but yet the interest rate is 26%....

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LMAO the only reason I would have kept it because I know GE would have granted CLI every 4 to 6 months with a soft when I had the card with Chase the interest rate was not all that better I think 22%. But no chance of a CLI without a hard pull. I never carry a balance on store cards. I use them like charge cards PIF every month.

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That's all store cards are good for, the APR on everything GEMB has is insane...

The downside is, despite the regular CLIs, they're usually crappy (to the tune of $300-$500).

[Anonymous]

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@smc733 wrote:

The downside is, despite the regular CLIs, they're usually crappy (to the tune of $300-$500).

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Something is better then nothing started out with a Sams store card with GE $400 starting CL 4 years later my CL is $5000

[addicted_to_credit]

I have a JCP card thru GEMB never ever used it and it had a 400 limit when i got it after 6 months (I forgot it) as I was requesting CLI's from gemb they upped the Cl on the JCP card to 1500 but my amazon store card I use heavily and after 4-5 approved CLI request its still not at 1500 but either way unless your score tanks or you miss a payment you know in 4 months you can get a CLI it may not be great but it is something

[smc733]

It is still something, but for prime customers that get CLIs in the thousands at a time, a $300 CLI is discouraging, to say the least.

[Anonymous]

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@addicted_to_credit wrote:

I have a JCP card thru GEMB never ever used it and it had a 400 limit when i got it after 6 months (I forgot it) as I was requesting CLI's from gemb they upped the Cl on the JCP card to 1500 but my amazon store card I use heavily and after 4-5 approved CLI request its still not at 1500 but either way unless your score tanks or you miss a payment you know in 4 months you can get a CLI it may not be great but it is something

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So agree an everyone's credit it's not all that great where they can be approved for a major credit card. Let along get thousand dollar CLI

[smc733]

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@Anonymous wrote:

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@addicted_to_credit wrote:

I have a JCP card thru GEMB never ever used it and it had a 400 limit when i got it after 6 months (I forgot it) as I was requesting CLI's from gemb they upped the Cl on the JCP card to 1500 but my amazon store card I use heavily and after 4-5 approved CLI request its still not at 1500 but either way unless your score tanks or you miss a payment you know in 4 months you can get a CLI it may not be great but it is something

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So agree an everyone's credit it's not all that great where they can be approved for a major credit card. Let along get thousand dollar CLI

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Agreed, GEMB has its place.  All I was saying was that people who had this card through chase (Prime to Superprime), may be disappointed in the terms GEMB will offer.