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| Overall Satisfaction |  |
| Customer Service |
Not Rated | | Rewards |
Not Rated | | Account Management | Not Rated | |
Delivery Time | Not Rated
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| The Review:My friend saw that I had an Old Navy card and she decided to apply for the GAP card. Well, she was denied...too many inquiries, collection, etc.
Anyway, I was thinking since I have had luck with the negotiating/letter writing deal, she might be able to write a letter to GEMB GAPcard and still get approved?
Her FAKO is 575, but I'm guessing her FICO is much less...
She does indeed have credit cards; macys, Kohls, and Target...all in good standing.
Any advice?
Comments On This Review: (9 Total)
Comment by KellBell - Posted on 2008-05-08
 Who should her correspondence go to? And why couldn't she just get her own Financeglobe account?
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Comment by Wildrage2 - Posted on 2008-05-08
She could have a 740 FICO but a bad record with GEMB and never be able to get the card. I was able to get almost all the Citi store cards, but have an old $500 PayPal charge-off from GEMB 4 years ago and have never been able to get any of their cards. After the 2nd try I just won't bother any more. More comes into play then just FICO.
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Comment by KellBell - Posted on 2008-05-08
I have a bad record with GEMB as well...old American Eagle account charged off. Anyway, I have JCP, Dillards, Walmart, and OldNavy cards with GEMB! I am so glad they have given me a second chance.
Also, I'm sure she may have a bad relationship with GEMB somewhere along the line, but who can she write to about her declination?
I want to give her good advice. She doesn't have access to financeglobe at the moment, but she is indeed in front of a computer to write a letter!
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Comment by Wildrage2 - Posted on 2008-05-08
GE Money Credit Cards/GEMB
ATTN: Gap Credit
P.O. Box 981284
El Paso, TX 79998
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| Comment Title: Forgot To Say.... |
Comment by Wildrage2 - Posted on 2008-05-08
Writing a letter to them for reconsideration may result in another hard inquiry on their file. If she doesn't want another hard inquiry, I would advise her to make it clear in the letter.
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Comment by KellBell - Posted on 2008-05-08
Thanks.
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Comment by Hjm331 - Posted on 2008-05-08
Tell her to send it by certified mail so you'll have proof that they received the letter.
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Comment by KellBell - Posted on 2008-05-08
Good thinkin'
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Comment by LindaLu - Posted on 2008-05-10
I included old navy in my bk and not my jc penneys..gemb ended up closing my jc penney account also and I only owed $103 ...! so i think they keep your info in their system and when you apply for anything they finance it comes up and you get denied
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