I have had two accounts with GE MoneyBank; one for World Market, and one for Lenscrafters. I've paid both accounts on time every month; have never had a late charge or anything. Have kept balances very low; yet in both cases I received letters saying "credit review" info from Equifax was most pertinent in their decision. This info was "Present or past delinquincy on trades; % Trades with present or past delinquency; and Age of Oldests Bankcard Trade." Not one of these "reasons" makes any sense, and I have no... read full review »