Beware of store credit cards issued through GEMB. I had my identity stolen after I got a GEMB card through Lowes. I've also seen similar horror stories posted on other websites. The thieves have already tried to buy 2 cars in my name in addition to $8000 in charges so far. I believe that an insider at GEMB is selling info to an identity theft ring and they're using Equifax credit reports to hit existing accounts and using the valuable on these reports to open new accounts. If this happens to you, the first thing you need to do is call one of the 3 credit reporting agencies (Equifax, TransUnion or Experian) and have a fraud alert placed on your credit. If you call one of the three, the other two credit agencies will be alerted automatically. A fraud alert should stop the crooks from opening new accounts in your name. But what about existing accounts? You need to call each one individually and tell them what's going on - otherwise, the crooks will call them, claim that the card was lost or stolen and request a new card to be sent.