Strange Bloomingdale's CLI

[bigDEElight]

I applied for & was approved for a store card on 10/9/14. This weekend while out shopping, I decided to use it for the first time. When I was approved for the card, my limit nor approval status showed up instantly, I had to call in and verify. It was $400 limit. Interestingly enough, I got a $1,500 initial CL from Saks the same day. So I swipe my card and the associate says she has to call it in for approval, which I thought was odd but I went with it. She speaks to the rep who then wants to speak to me to identity verification. In the end, they moved my limit from $400 --> $1,500. They tradeline has yet to report on my CRs so, hopefully it will report with this limit when it does.

Has this happened to anyone else?

[CreditMagic7]

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@bigDEElight wrote:

I applied for & was approved for a store card on 10/9/14. This weekend while out shopping, I decided to use it for the first time. When I was approved for the card, my limit nor approval status showed up instantly, I had to call in and verify. It was $400 limit. Interestingly enough, I got a $1,500 initial CL from Saks the same day. So I swipe my card and the associate says she has to call it in for approval, which I thought was odd but I went with it. She speaks to the rep who then wants to speak to me to identity verification. In the end, they moved my limit from $400 --> $1,500. They tradeline has yet to report on my CRs so, hopefully it will report with this limit when it does.

Has this happened to anyone else?

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CONGRATS!!! On the in store call CLI!! for Bloomies

[coldnmn]

Congrats! Very strange indeed. Thanks for sharing.

[Anonymous]

Congratulations!...Thanks For Sharing.

[bigDEElight]

Thank you everyone 

[uswala]

Congrats!

[Creditaddict]

I assume you applied online and had never called in and this was first time you used the card?

Bloomingdales and Macy's really disklike online credit applications... until they speak to you and verify you, you get small limit approvals online!

You applied in store you probably would have been approved for the Bloomingdales Amex.

[revjamesl]

Congrats!

[I_need_720]

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@bigDEElight wrote:

I applied for & was approved for a store card on 10/9/14. This weekend while out shopping, I decided to use it for the first time. When I was approved for the card, my limit nor approval status showed up instantly, I had to call in and verify. It was $400 limit. Interestingly enough, I got a $1,500 initial CL from Saks the same day. So I swipe my card and the associate says she has to call it in for approval, which I thought was odd but I went with it. She speaks to the rep who then wants to speak to me to identity verification. In the end, they moved my limit from $400 --> $1,500. They tradeline has yet to report on my CRs so, hopefully it will report with this limit when it does.

Has this happened to anyone else?

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Yes - this happend ot me as well. I apped on line 10/9 and was informed that my CL was $400.00. When I received my card on 10/20 and did the activation/verification they CL was upped to $1800.

[bigDEElight]

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@Creditaddict wrote:

I assume you applied online and had never called in and this was first time you used the card?

Bloomingdales and Macy's really disklike online credit applications... until they speak to you and verify you, you get small limit approvals online!

You applied in store you probably would have been approved for the Bloomingdales Amex.

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I called and spoke to a credit analyst after the application was completed online. She informed me that sometimes the online application doesn't show instantly an approval or denial. She informed me it was approved and then told me it was a $400 limit. She, unlike Saks, didn't bother to ask me any verification questions. It wasn't until I attempted to use the card that this happened.

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@I_need_720 wrote:

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@bigDEElight wrote:

I applied for & was approved for a store card on 10/9/14. This weekend while out shopping, I decided to use it for the first time. When I was approved for the card, my limit nor approval status showed up instantly, I had to call in and verify. It was $400 limit. Interestingly enough, I got a $1,500 initial CL from Saks the same day. So I swipe my card and the associate says she has to call it in for approval, which I thought was odd but I went with it. She speaks to the rep who then wants to speak to me to identity verification. In the end, they moved my limit from $400 --> $1,500. They tradeline has yet to report on my CRs so, hopefully it will report with this limit when it does.

Has this happened to anyone else?

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Yes - this happend ot me as well. I apped on line 10/9 and was informed that my CL was $400.00. When I received my card on 10/20 and did the activation/verification they CL was upped to $1800.

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 Oh I'm glad to hear someone else with the experience.