Time to move on up.

[Anonymous]

Why is GEMB considered junk accounts?  Tks Vicki

[Creditaddict]

no bank is perfect... but overall unless you get a fr, amex is spotless if you ask me

and people that have reported c1 issues i think are with rebuilder cards... prime cards like there signature with no pre set spending limit and fixed 8.9 apr, can't really beat that.

www.citibank.com is a huge prime lender with tons of different cards also.

pick a couple!

[illcrew3]

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greyhound2007 wrote:

Why is GEMB considered junk accounts?  Tks Vicki

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From what I have read FICO does not concider them a major account.

[Anonymous]

So if you have GEMB accounts they score you different?  Tks Vicki

[Dawn]

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illcrew3 wrote:

I have also heard some real bad C1 stories.

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I think you will hear real bad stories about just about any credit grantor out there (with the exception of the CUs.) 

Anyone who doesn't stay "under the radar" is at risk of finding themselves feeling as if they have been treated unfairly.  And those who do stay under the radar find themselves worrying that they might draw attention to themselves. 

I think you have to decide who is the least intimidating of all the available evils. 

[illcrew3]

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greyhound2007 wrote:

So if you have GEMB accounts they score you different?  Tks Vicki

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I believe they just dont help as much as a major company. Especially with the smalls CL's they give the customers.

[Anonymous]

We have a GEMB/Sams club cc with a limit of 10,000.00 is that a small CL?  We have a fifth wheel note with GEMB it was orginally $45,000.00 we will have a two year pay off on it.  I thought when they raised our sams club CL it was pretty decent ammount.  So you think if we had a major cc instead of sams club our score would be higher?  Im just curious (trying to learn things) we are not looking for credit of any type.  Tks Vicki

[illcrew3]

Ha I would call those good limits. I was talking about things like Paypal Buyer credit when they start you off with a 300 limit even if you have perfect credit.

[illcrew3]

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Creditaddict wrote:

no bank is perfect... but overall unless you get a fr, amex is spotless if you ask me

and people that have reported c1 issues i think are with rebuilder cards... prime cards like there signature with no pre set spending limit and fixed 8.9 apr, can't really beat that.

www.citibank.com is a huge prime lender with tons of different cards also.

pick a couple!

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I may give citibank a shot and if I'm feeling looney I might go for amex too.

[Creditaddict]

those are great limits... but I think you would see your score go a lot higher if you added a credit card.

you like sams, so what about www.Discovercard.com