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Written by: anthony on 2007-08-29

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anthony's review: Applied online for this card. Instantly approved, but with a 150.00 CL. I'm not happy about this at all. I have two other accounts with GEMB (Walmart and JC Penneys). Both were initially approved with much higher credit limits. In fact, I have gotten CLIs on both of these accounts also. Eric do you have any advice?

2 Comments

Comment 1 by meya
Re: Anthony on 2007-08-29

Welcome to the $150 CLUB! That is the same thing that they had done to me. As soon as the card arrives, I am SENDING IT RIGHT BACK TO THEM. I have heard that the small limit is for security purposes, but once you begin to use it and make a payment the limit goes up. If we were in the store, the limit would probably have been much higher.
Comment 2 by eric
Re: Anthony on 2007-08-29

Hey Anthony... Congrats on your recent approval. Anthony right now GEMB and other card companies are giving approvals to these cards with lower credit lines. We call the cards Road-to-Credit cards. Low limits with a great chance to increase your line after 3 months. I don't know your credit experience or anything but Im sure that's what these accounts are. Give it a chance and you should get a credit increase within 3-6 months.

Eric
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