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Question By
itsmarcnotmark

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GECRB/SMRTCN credit card HELP!!
I logged in to my account today, and it says that I have a GECRB/SMRTCN card opened up last month, but I never did. I was wondering what do I do in order to figure out how this has happened, and what can I do to cancel that card that I never even opened!?
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Possible Fraud due to Identity Theft

Helpful to 52 out of 55 people

If you have a hard inqury from GECRB/storename (examples: GECRB/Menswr, GECRB/SMRTCN) and you did not apply for the credit card, there is a possibility that someone has stolen your identity to open a credit card account with the store. This is my experience.

Call the store credit card services for help. For example, for GECRB/Menswr, it's the Menswear House store credit card services. Inform them you have a hard inquiry in your credit card monitoring service, but you didn't apply for a credit card, and you're suspicious of identity theft. They will ask you to provide your social security number, and they will tell you instantly if a credit card was opened in using your information. Let them know it was fraudulent, and they need to close the account immediately.

Then request the credit card services to send a statement to the Credit Card Bureaus to remove the hard inquiry record.

You just need to call one of the 3 Credit Card Bureaus (try TransUnion) to put a Credit Freeze for 90 days - this service is free - and the other 3 bureaus will be informed in 24 hours. By putting the freeze, before any bank issues a credit card, the bank will have to call you to verify before issuing the card.

If you file a police report for Identity Theft, and send the report to the Credit Card Bureaus, they will put a credit freeze for 7 years (free service).

In order to find the telephone number to the GECRB store credit card services, call GECRB at 1-800-400-3761, and ask for the store credit card services telephone number. Let them know you're calling to alert the credit card services of fraud, and they'll be very glad to assist.

Reply by
dohaley

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3 People Helped
Helpful to 3 out of 5 people

Thanks-  I called and they said that a CC was not opened?  

Reply by
nancy117

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11 People Helped
Helpful to 7 out of 8 people

GECRB/SMRTCN is from Paypal and is offered to anyone who used Paypal in the past. I was also sent the email and I've used Paypal a lot in the past. You don't have to accept the offer. Just send them an email and tell them you do not want the offer.

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Most Helpful Response

Helpful to 45 out of 47 people

Heyy its me again. I figured it out, apparently it is the Paypal Smart Connect Aco**** which is handled by GE capital retail bank. Look at the excerpt below from an email that Paypal/GE capital Retail bank sent me recently.

""This email was sent by GE Capital Retail Bank's PayPal Credit Services Division, the issuer of the PayPal Smart Connectaccount. GE Capital Retail Bank is located at 170 Election Road, Suite 125, Draper, UT 84020-6425, USA.""

Reply by
mrbgericke

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5 People Helped
Helpful to 5 out of 5 people

The same thing showed up on my credit report and I did not sign up for it, but I do remember PayPal sending me an e-mail that I ignored (since I haven't used their service in years)  

HOW DID YOU CANCEL IT???

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15 People Helped

hard inquiry by the above...

Helpful to 15 out of 16 people

Mine showed up when I applied for Care Credit to help when my cat broke its leg and needed surgery.  

Reply by
Lolotricity

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Helpful to 9 out of 9 people

I believe this was Care Credit for me as well for Dental work.

Reply by
tootsiepopsue

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2 People Helped
Helpful to 2 out of 2 people

same for me care credit

4 Contributions
4 People Helped

PayPal Card?

Helpful to 3 out of 3 people

I just applied for credit through GECRB for a PayPal credirt card and . . GECRB/SMRTCN is how it apperared on my credit report. Hope this helps. 

2 Contributions
4 People Helped

GECRB/airlines

Helpful to 3 out of 3 people

This just showed up on mine as well, knockme down 6 pts.  It's a hard inquiry with no balance one in 2012 and 1 in 2013.  I have never applied for a credit card or anything with any airlines, heck I didn't even know an airlines had one.  I'm trying so hard to clean things up fter losing my job and to find these 2 things showing up all within the last 6 weeks (when I last checked it), so frustrating.  Not sure if it's identity theft or not, I hope not it sounds like a nightmare that is hard to wake up from.

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1 Person Helped

I can't even get a fricken Credit card

Helpful to 1 out of 1 people

So how the hell can someone else open one up in my name? If I can't legitimately open up an account for credit, I don't see how anyone else could.  My credit is so messed up thanks to my child's mother...anyways, I got this on my **** too and it's bad enuf without having anyone just put stuff on there freely. 

2 Contributions
4 People Helped

CC

Helpful to 1 out of 1 people

If you apply for help through care credit and are denied, does it still knock your points down?  I applied for dental 1 year and vet a year later but was turned down for both.  I didn't think it would show up as a hard inquiry if turned down and knock you down a few points. 

Top Contributor

Reply by
EddyTX

1186 Contributions
2979 People Helped
Helpful to 2 out of 3 people

Anytime you apply for credit it will show up as a hard inquiry if you don't already have an account with them. 

3 Contributions
1 Person Helped
Helpful to 1 out of 1 people

If it were still on there, you could see it when you look at it. Your score goes up as you make payments ontime and balance where your money comes from.

2 Contributions
47 People Helped

Helpful to 2 out of 2 people

@itsmarcnotmark

Hey I too hve the same question! I see the same exact credit cards on mine with no balance on it though. Did you figure out what it might be? 

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This just appeared on my Credit Report. I know nothing about this ECRB. I have not had Airlines Credit Card; nor have I opened a credit card in years now. I want this removed. HOW???

ECRB

National Credit Cards/Airlin

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GECRB

Does any one know what  GECRB/ National Credit Cards/ Airlines is?

Reply by
magik626

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0 People Helped

i have the same thing on mine and i dont know what it is $1490 im like wtf!!

Reply by
Tricialea

4 Contributions
4 People Helped
Helpful to 1 out of 1 people

GECRB is  the credit issuer for my CareCredit, Amazon and Walmart cards. THey seem to be credit issuers for many major retail chains. 

Reply by
blissfully

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1 Person Helped
Helpful to 1 out of 1 people

GECRB is GE capital retail bank. They handle many types of accounts because they are a bank. They are most popular for their credit card account which include but are not limited to: CareCredit (medical, vet, and cosmetics), JCPenney, Walmart, Lowes, HH Gregg, PC Richards, Ashley furniture, Paypal, Lumber Liquidators, Pep Boys, Car Care One, Amazon, QVC, Dillards, Jewelry, Fine Art, and multiple furniture and home improvement credit accounts. GECRB also finances loans for powersports and lawn mowers (ie. Yamaha, Suzuki, Toro, Honda). Essentially, if you have a retail credit card or a loan for a motorcycle you most likely have an account with GECRB.

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