I work for GE Money Bank. What issues have you had?

I work for the Walmart/Sam's club credit card. I hear complaints/compliments all day.
What has been your experience with GE Money. Some things I can relate to.
In reference to your questions :
1. When they approve people for the Walmart store cards they usually (though not always) give "very small" starting limits (much smaller than other GEMB products) no matter how good a persons credit is - why is that?
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The starting limits are pretty small usually and that is basically calculated on your overall credit bureau record. Ive seen some start at 125.00 and some start upwards around 1100.00 - so it's really solely based on credit score. If you have a nice score and have paid bills on time they usually give a bigger amount. As far as the discover, if you've been on time and have a 680 CB score or higher , they will send you a mailer telling you that you're pre-qualified for a discover card. Discover cards usually have high limits - and most people who qualify in my experience have really good credit and are not deliquent with us.
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2 days ago
Why do they give people really odd starting credit limit amounts on the store cards?(this one really has me scratching my head in wonderThe odd number is also weird to me as well- I'm not sure why they would give someone 122.00 credit line or a 78.00 credit line. Sorry about that one. . If a person currently has a store card and applys for the Discover, will that person still automatically be considered for the store card if they are declined for the Discover?
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(Is a person limited to one store card?)Not necessarily because the general population (bad credit ) usually won't qualify for the discover card. And some people won't be considered for the store card no matter how low the credit limit is because the person has deliquencies with other companies. GEMB is very strict on credit, and if you mess up 1 time with them and are 30 days late, they do not hesitate to report that to your credit report.
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2 days ago
4. Does GEMB ever automatically offer to upgrade either of the store cards to the Discover (like Target has been doing) or convert the store card when a card holder requests it? If so, is there any certain criteria that you look at with a card holder?Absolutely - as i said they do upgrade a person if they have 6 months of great credit history with us on file - specifically saying you have just a sams credit card, and want to apply for discover they look at your payment history with sams club (gemb) , your credit bureau score, and how long you've been a customer with us, and the minimum is usually 6 months.
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2 days ago
How is the ON Visa coming along? How soon before it will be available to apply online?Are they upgrading current store card holders (like Target has been doing)?I am not familiar with the ON visa. But hope the other information helped!
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The Answer : I don't have any complaints about GEMB in fact GEMB has been pretty good to me. I rarely have had a problem with any of my cards, but the few times I have the CSR's I've spoken with, in general, have been courteous and helpful.
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There are a few things that I've noticed people discussing and since you say you work in the Walmart section perhaps you can shed some light on the following questions if you don't mind.
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1. When they approve people for the Walmart store cards they usually (though not always) give "very small" starting limits (much smaller than other GEMB products) no matter how good a persons credit is - why is that?
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2. Why do they give people really odd starting credit limit amounts on the store cards?(this one really has me scratching my head in wonder)
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3. If a person currently has a store card and applys for the Discover, will that person still automatically be considered for the store card if they are declined for the Discover? (Is a person limited to one store card?)
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4. Does GEMB ever automatically offer to upgrade either of the store cards to the Discover (like Target has been doing) or convert the store card when a card holder requests it? If so, is there any certain criteria that you look at with a card holder?hmm, I could keep asking questions lol.
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I was wondering about a couple of other non Walmart/Sams if you might know -How is the ON Visa coming along? How soon before it will be available to apply online?Are they upgrading current store card holders (like Target has been doing)?Will the Chevron be handled like other GEMB products?(as far as reporting, CLI's, etc.)Thanks for the opportunity to ask