"Denied?"
GapCard Review
Written by: kellbell on 2008-05-08
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
kellbell's 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?
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?
12 Comments
Comment 1 by kellbell
Andd... 
on 2008-05-08
Who should her correspondence go to? And why couldn't she just get her own Financeglobe account?
on 2008-05-08 Who should her correspondence go to? And why couldn't she just get her own Financeglobe account?
Comment 2 by wildrage2
Depends 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.
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.
Comment 3 by kellbell
Weird 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!
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!
Comment 4 by wildrage2
Address on 2008-05-08
GE Money Credit Cards/GEMB
ATTN: Gap Credit
P. O. Box 981284
El Paso, TX 79998
on 2008-05-08 GE Money Credit Cards/GEMB ATTN: Gap Credit
P. O. Box 981284
El Paso, TX 79998
Comment 5 by wildrage2
Forgot To Say.... 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.
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.
Comment 7 by hjm331
Also on 2008-05-08
Tell her to send it by certified mail so you'll have proof that they received the letter.
on 2008-05-08 Tell her to send it by certified mail so you'll have proof that they received the letter.
Comment 9 by lindalu
Gemb Info 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
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
Comment 10 by namrata
Customer Service Never Picks Phone. on 2011-02-25
The customer service never picks up phone. You have to deal with the recorded voice. Gap charged inaccurate late fees & finance charges. I have been trying to talk to someone in customer service & have no luck so far. Big frauds!!!
on 2011-02-25 The customer service never picks up phone. You have to deal with the recorded voice. Gap charged inaccurate late fees & finance charges. I have been trying to talk to someone in customer service & have no luck so far. Big frauds!!!
Comment 11 by kiejon9
Customer Service Never Picks Phone. on 2011-02-26
What phone #### are you calling
on 2011-02-26 What phone #### are you calling
Comment 12 by law man
Re: Denied? on 2013-09-24
Does GE really ban you for having a bad account? i had a bad account with GE when i first joined the military but that was 6 years ago. i applied for a gap card when my credit score was 535 and when it was 689 and got denied both times -_-. this sucks because i really like shopping at the Gap lol
on 2013-09-24 Does GE really ban you for having a bad account? i had a bad account with GE when i first joined the military but that was 6 years ago. i applied for a gap card when my credit score was 535 and when it was 689 and got denied both times -_-. this sucks because i really like shopping at the Gap lol
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by Synchrony Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Synchrony Bank. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Synchrony Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Synchrony Bank. Review content is powered by Finance Globe.
