Account

Frequently Asked Questions (FAQs)

• I want to manage my account online. Which browser should I use?
  For the best display and functionality of all Account Center features – including making and editing payments – we recommend the latest version of the browsers Microsoft Edge, Google Chrome or Safari.
• I need Account documentation. Where can I find it?
  You can access your GEM Account Credit Card agreement by visiting the Credit Card Agreement directory. You can also contact Customer Care at 1-866-534-4180, TDD/TTY: 1-888-819-1918.
• How do I manage my account from a mobile device?
  We've designed our mobile experience to be quick and easy, with the same helpful links and services you find using a desktop browser. Our responsive design simply adjusts to fit a mobile screen.
• Can I update my personal information online?
  You can update personal information at any time by selecting the pencil icons on the My Profile page. We take information security very seriously so some information cannot be changed in order to protect your account privacy. To make changes to information not available online, please send us a message via Secure Message Center or contact Customer Care at 1-866-534-4180, TDD/TTY: 1-888-819-1918.
• Why am I receiving marketing emails?
  When you registered for your GEM Account Credit Card, you agreed to receive email offers and promotions, as well as other service and product offers. You can sign in and update your email preferences at any time.
• I need help reading my statement and Account materials.
  We're happy to help you read your statement and other account materials. Please call Customer Care at 1-866-534-4180, TDD/TTY: 1-888-819-1918.
• I want to increase my credit limit. How do I do this?
  For assistance requesting a credit limit increase, please contact Customer Care at 1-866-534-4180, TDD/TTY: 1-888-819-1918.
• I want to decrease my credit limit. How do I do this?
  For assistance requesting a credit limit decrease, please contact Customer Care at 1-866-534-4180, TDD/TTY: 1-888-819-1918.
• Where can I find eligibility and benefit information for the Servicemembers Civil Relief Act (SCRA)?
  Please visit the Military Servicemembers Civil Relief Act page, for more information or to request SCRA benefits.
• Why do you need to know my current income?
  Federal law requires us to consider your income before authorizing a credit limit increase. Keeping your income information up to date also makes it easier for us to consider your eligibility for a future credit limit increase.
• I want to close my account.
  We're sorry to hear that you're considering closing your account. For assistance, please call Customer Care at 1-866-534-4180, TDD/TTY: 1-888-819-1918 or send us a message via Secure Message Center.
• What is the credit limit and Annual Percentage Rate (APR) for the GEM Account Credit Card?

  Credit Limit and APR are dependent on your creditworthiness. You'll be notified of your credit limit and other account details after approval.

• How do you keep my data collected through the credit card application process safe?
  We take information security seriously. That's why we use encryption technology to protect your personal account information, including your credit card account number, Social Security Number, name, address, phone number and email address. Visit our Security page for more information about the measures we take to protect your information.