topic Re: Nordstrom Credit Card (they need to confirm identity?) in Credit Cards

Nordstrom Credit Card (they need to confirm identity?)

badgerviper — Sun, 09 Sep 2012 21:32:59 GMT

I just applied online for a Nordstrom Signature card and received the usual 7-10 days response. I called in immediately to ask if I needed to send in more info and was told by the CSR that I was denied for both the Signature card AND the retail card (?!!!). I asked her what the reasons were and which report she pulled and she just told me Equifax but didn't give me a reason why. I asked her how that was possible being that my EQ is 726 with ZERO inquiries in 2 years and was put on hold for a couple minutes. When she came back she said that they needed me to MAIL in a copy of my driver's license and utility bill. I told her I was leaving for vacation on Saturday and asked if I can expedite the process by faxing the requested documents in or going into the store. She told me that because I had processed this application online everything had to be done by MAIL ONLY. Does anyone have their fax number? I thought this was kind of weird since other people have posted saying they faxed the stuff in or went into the store.....Has anyone else had this experience? If so, what were the results? Thanks for your help.

P.S. I read 14 pages of Nordstrom threads first before posting this. Couldn't find any that were like mine. Seems like everyone else got to fax their info in or go into the store.....

Re: Nordstrom Credit Card (they need to confirm identity?)

bostonte — Sun, 09 Sep 2012 21:50:11 GMT

I would go to the customer service desk at your local store with your drivers license and a utility bill and ask them to phone in to credit services.

I think the rep you spoke with is mistaken.

Sometimes if you push them too hard on the phone for information prior to receiving your letter in the mail or how to "expedite" things, they get cautious and concerned about fraud and shut down and try and force you to slow down and wait.

Bring yourdocuments, tell the service rep you applied and were hold you had to present proof of identity, and I'm sure they'll phone in and resolve it right then.

Re: Nordstrom Credit Card (they need to confirm identity?)

DesertLife — Sun, 09 Sep 2012 21:52:04 GMT

I found a fax line of: 303-397-4475 available on a form for "auto-pay" http://i.nordstromimage.com/images/default/shop/image/shops/fashion-rewards/2011/0609/NordstromAutoPay.pdf, which I obtained from a link on this page: http://shop.nordstrom.com/c/nordstrom-card-services

Hope that is helpful to you.

Re: Nordstrom Credit Card (they need to confirm identity?)

Shogun — Sun, 09 Sep 2012 21:59:10 GMT

bostonte wrote:
I would go to the customer service desk at your local store with your drivers license and a utility bill and ask them to phone in to credit services.

I think the rep you spoke with is mistaken.

Sometimes if you push them too hard on the phone for information prior to receiving your letter in the mail or how to "expedite" things, they get cautious and concerned about fraud and shut down and try and force you to slow down and wait.

Bring yourdocuments, tell the service rep you applied and were hold you had to present proof of identity, and I'm sure they'll phone in and resolve it right then.

+1 Show up in person with the required documents. Kind of hard to disprove it's you then.

Re: Nordstrom Credit Card (they need to confirm identity?)

badgerviper — Sun, 09 Sep 2012 22:03:53 GMT

Yeah, that totally makes sense. She couldn't really give me a reason why I couldn't fax it in and that made me question her even more. If she had just told me it was a step to prevent fraud I would have been totally understanding about it. I'll definitely go in with the requested documents and try to resolve it in person. Thanks!

Re: Nordstrom Credit Card (they need to confirm identity?)

emptypockets — Mon, 10 Sep 2012 20:08:39 GMT

When I applied, I got a letter saying the needed to verify my identity. I had to mail in a copy of my DL, and a utility bill. I barely had the stuff in the mail, and the new card was showing on my reports. I was never given a reason why the info had to be mailed. It seems weird in this day and age to have to use "snail mail", but whatever.

Re: Nordstrom Credit Card (they need to confirm identity?)

resilient — Sat, 06 Oct 2012 21:46:41 GMT

Curious...did you receive either card yet? I (male) want to apply for one too, and kind of want to know what Nordstrom Bank is looking for....

Re: Nordstrom Credit Card (they need to confirm identity?)

Elcid89 — Sat, 06 Oct 2012 21:51:12 GMT

resilient wrote:
Curious...did you receive either card yet? I (male) want to apply for one too, and kind of want to know what Nordstrom Bank is looking for....

Nordstrom tends to be one of the pickier lenders out there. Your chances of approval seem to go up dramatically when applying in-store versus applying online.

Re: Nordstrom Credit Card (they need to confirm identity?)

resilient — Sat, 06 Oct 2012 21:57:17 GMT

I have scores around the low 700s.....just went on an app spree, getting a few new cards, income is over $70k, only late was from 3 years and 11 months ago (just 1), utilization about 20% or less. Inquiries.......quite a few. Do you think with this info that my chances in store are still better?

Re: Nordstrom Credit Card (they need to confirm identity?)

Elcid89 — Sat, 06 Oct 2012 22:01:10 GMT

resilient wrote:
I have scores around the low 700s.....just went on an app spree, getting a few new cards, income is over $70k, only late was from 3 years and 11 months ago (just 1), utilization about 20% or less. Inquiries.......quite a few. Do you think with this info that my chances in store are still better?

I don't have one of their cards, but IIRC they are somewhat sensitive to excessive inquiries. Since you have already piled them up, the worst that they can say is no. If they do, maybe try a recon, otherwise you'll just have one more inquiry within the same time frame that will drop off at the same time.

Re: Nordstrom Credit Card (they need to confirm identity?)

resilient — Sat, 06 Oct 2012 22:03:47 GMT

One last question.....I know you said you don't have one of their cards, but do they have instant approvals, or are they all "7-10 days"? And is the recon number open on weekends?

Re: Nordstrom Credit Card (they need to confirm identity?)

Elcid89 — Sat, 06 Oct 2012 22:06:49 GMT

resilient wrote:
One last question.....I know you said you don't have one of their cards, but do they have instant approvals, or are they all "7-10 days"? And is the recon number open on weekends?

I would imagine that they have to have instant approvals in-store, or else it defeats the purpose of offering you the opportunity to apply there. If they can't instant approve, then they lose the business to another lender or they lose the sale outright.

I have no idea about their credit department hours, sorry. You could call and ask / check?

Re: Nordstrom Credit Card (they need to confirm identity?)

resilient — Sat, 06 Oct 2012 22:21:34 GMT

Good info, Thanks, and I'll ponder if I really need it. It seems like it'd be a nice card though.

Re: Nordstrom Credit Card (they need to confirm identity?)

Elcid89 — Sat, 06 Oct 2012 22:28:31 GMT

If you do apply, go for the Nordstrom Notes, not the retail card. Best of luck!

Re: Nordstrom Credit Card (they need to confirm identity?)

bostonte — Sat, 06 Oct 2012 23:28:34 GMT

Instant approvals are available in store. At Nordstrom though, an "instant" approval often means the associate taking your app phones in to credit services and they verify id and might ask some questions. Or it just spits out on the receipt as a true instant approval, but they do love to confirm id and such -- so dont think the associate having to call in means your declined. It's very common.

Online instant approvals are rare. They usually 7-10 day everyone. Sometimes they will have an answer almost right away if you call. again, don't think having to wait necessarily means you are declined.

Credit services is open 24/7. it's possible a recon would be handled by a supervisor that works regular business hours though. depends on if you are declined for something easily overridden or if you need more authority to approve.

Re: Nordstrom Credit Card (they need to confirm identity?)

resilient — Sat, 06 Oct 2012 23:43:51 GMT

Lots of good info, I appreciate it. Do you know which report they pull? I'm in Georgia.

Re: Nordstrom Credit Card (they need to confirm identity?)

Elcid89 — Sat, 06 Oct 2012 23:57:15 GMT

resilient wrote:
Lots of good info, I appreciate it. Do you know which report they pull? I'm in Georgia.

I believe they always pull EQ, and if necessary / marginal, they'll pull TU as well.

Re: Nordstrom Credit Card (they need to confirm identity?)

resilient — Sun, 07 Oct 2012 00:00:56 GMT

And would you say scores need to be well over 700?

Re: Nordstrom Credit Card (they need to confirm identity?)

Elcid89 — Sun, 07 Oct 2012 00:04:22 GMT

resilient wrote:
And would you say scores need to be well over 700?

I don't know for sure, but they have a reputation as a somewhat conservative lender, so I would imagine the closer to 700, the better.

Re: Nordstrom Credit Card (they need to confirm identity?)

resilient — Sun, 07 Oct 2012 00:09:12 GMT

Thanks a lot. I'll find the recon number just in case, and pull the trigger!