I was turned down for a Credit increase by JC Penney (GE) because of something a credit report says. I was turned down automatically in 2 seconds.
They didn't take time to check anything! I have a great FICO store and literally no debt except house. I checked with all 3 credit reporting agencies and they even said GE did not make an inquiry. I'm canceling all cards issued by this company!
I don't know why any company would use GE Money bank to manage credit for their companies. I will stop shopping at JC Penny because of this as well