FREE FICO SCORE

[foeplay]

Anyone know how likely GEMB will issue a card to someone who has charged off GEMB cards in the past?

I charged off JCP many moons ago and was approved for Amazon last year. I would love to get my TU FICO, but danggggg I don't want this card! Why can't they add this to all their cards?

 

My strategy might be to get the WM Discover instead of the store card. It appears that there are reports of the FICO being available on the Discover as well.

I don't want that either, lol. Unless it's something with rewards that benefits me, I don't want to hurt my poor AAOA.

 

Up to 1% CB (after 3K annual spend), $0.10 off per gallon gas (at WallyWorld), oh yeah, AND a FREE MONTHLY TU FICO!!

If I put Wally gas in my beemer it will explode

 

This is bad, you guys are making me want to apply out of boredom!

[BDK]

Anyone know how likely GEMB will issue a card to someone who has charged off GEMB cards in the past?

I charged off JCP many moons ago and was approved for Amazon last year. I would love to get my TU FICO, but danggggg I don't want this card! Why can't they add this to all their cards?

 

My strategy might be to get the WM Discover instead of the store card. It appears that there are reports of the FICO being available on the Discover as well.

I don't want that either, lol. Unless it's something with rewards that benefits me, I don't want to hurt my poor AAOA.

I think this one is worth it.

 

Dangit... I don't really want this card, but if I were to try for it, it would be the Discover flavor of it. Decisions, decisions....

 

Ok, anyone here who decides to apply really needs to post which bureau they pulled and your limit. I want to see Bob get a $500 100 limit.

 

Fixed it for ya!

[BobWang]

Maybe we should have an office pool on the limit I get.

[markca]

Anyone know how likely GEMB will issue a card to someone who has charged off GEMB cards in the past?

I charged off JCP many moons ago and was approved for Amazon last year. I would love to get my TU FICO, but danggggg I don't want this card! Why can't they add this to all their cards?

 

My strategy might be to get the WM Discover instead of the store card. It appears that there are reports of the FICO being available on the Discover as well.

I don't want that either, lol. Unless it's something with rewards that benefits me, I don't want to hurt my poor AAOA.

 

Up to 1% CB (after 3K annual spend), $0.10 off per gallon gas (at WallyWorld), oh yeah, AND a FREE MONTHLY TU FICO!!

If I put Wally gas in my beemer it will explode

 

This is bad, you guys are making me want to apply out of boredom!

 

That's because Wally gas isn't really gas. Wouldn't be surprised if it had sugar in it.

 

Also, I have yet to see a Wally gas station here in California....so that 10 cents off doesn't do me any good.

Edited July 19, 2011 by markca

[CIO]

Looks like the highest limit approval in Credit pulls is $4k, with most 1/2 that at best. Oy. Go for it in Sept, Bob. Then I'll decide.

[markca]

Looks like the highest limit approval in Credit pulls is $4k, with most 1/2 that at best. Oy. Go for it in Sept, Bob. Then I'll decide.

 

That was with a 675. Someone else had a 737 and got less than $2k. In fact, the highest FICO in there is the 737.

[foeplay]

If you app for Discover and fail, will you get a store card counter-offer?

[PunisherSD]

If you app for Discover and fail, will you get a store card counter-offer?

 

Yes, that's how I got my walmart card =/

 

I app'd for the discover product, was told no, got an offer for the store card.

[BobWang]

If you app for Discover and fail, will you get a store card counter-offer?

You know you want it foe.

[foeplay]

If you app for Discover and fail, will you get a store card counter-offer?

You know you want it foe.

Bob, I havent apped for anything since January!

[foeplay]

I have 12.5% UTIL, 1 INQ, AAOA = 6.4 and I'd guess around 650-660 TU score. Any scientific guesses?

Edited July 19, 2011 by foeplay

[BobWang]

I have 12.5% UTIL, 1 INQ, AAOA = 6.4 and I'd guess around 650-660 TU score. Any scientific guesses?

I'll take Store Cards for $800 Alex.

[foeplay]

Blech, I thought you could apply for the Discover or store card? There is only one apply link on the website...

[BobWang]

Blech, I thought you could apply for the Discover or store card? There is only one apply link on the website...

I bet it's one of those deals where you are first considered for the Discover, if you don't meet the qualifications, you are considered for the store card.

[salukidean]

I have 12.5% UTIL, 1 INQ, AAOA = 6.4 and I'd guess around 650-660 TU score. Any scientific guesses?

 

Applying online or in store?

[BobWang]

Maybe everyone should wait till Thursday when the regulation to give scores with declined applications actually kicks in.

[foeplay]

I have 12.5% UTIL, 1 INQ, AAOA = 6.4 and I'd guess around 650-660 TU score. Any scientific guesses?

 

Applying online or in store?

On-line or nothing for me because I hate going to these stores with enormous parking lots that are always full. I don't really even care about the limit since I won't be using the card.

[foeplay]

Maybe everyone should wait till Thursday when the regulation to give scores with declined applications actually kicks in.

Too late.

 

We are unable to process your application at this time and ask that you try again later. We apologize for the inconvenience.

 

For your security, any personal information you have entered will not be stored.

 

What a buzz kill...

[BobWang]

[foeplay]

UGHHHH, they pulled EQ which is my lowest score...it's like 615 because it has the least AAOA

[BobWang]

UGHHHH, they pulled EQ which is my lowest score...it's like 615 because it has the least AAOA

What?

They offer a TransUnion score, but pull Equifax?

[jph5125]

We are unable to process your application at this time and ask that you try again later. We apologize for the inconvenience.

 

For your security, any personal information you have entered will not be stored.

 

What a buzz kill...

 

Yeah I got the same BS, and what does "try again later mean"? I used my USAA/CS pulls for the day and can't verify if they pulled or not.

[foeplay]

UGHHHH, they pulled EQ which is my lowest score...it's like 615 because it has the least AAOA

What?

They offer a TransUnion score, but pull Equifax?

GEMB did that to me with Amazon as well, I was hoping for TU then as well since it's higher

[jph5125]

We are unable to process your application at this time and ask that you try again later. We apologize for the inconvenience.

 

For your security, any personal information you have entered will not be stored.

 

What a buzz kill...

 

Yeah I got the same BS, and what does "try again later mean"? I used my USAA/CS pulls for the day and can't verify if they pulled or not.

 

To answer my own question:

 

I called 1-877-969-3668, did check status (it's an actual prompt) for current application and the Indian CSR looked it up and told me I was approved for $1500 Discover.

 

As to why their website could not tell me I was approved......

[BobWang]

We are unable to process your application at this time and ask that you try again later. We apologize for the inconvenience.

 

For your security, any personal information you have entered will not be stored.

 

What a buzz kill...

 

Yeah I got the same BS, and what does "try again later mean"? I used my USAA/CS pulls for the day and can't verify if they pulled or not.

 

To answer my own question:

 

I called 1-877-969-3668, did check status (it's an actual prompt) for current application and the Indian CSR looked it up and told me I was approved for $1500 Discover.

 

As to why their website could not tell me I was approved......

Congrats!