10-24-2009 05:11 PM
both cards are issued by the same co, DSNB. While I understand there are probably different underwriting processes in place, I wonder to be considered for a Bloomies Visa, must I apply in the store or via online good enough.
I've learned they are a straight EX puller. which is ok by me.
My scores are TU ficos 682 and EQ 670..EX has to be the bvest report...more positive than negative. plus score fako is 715.
anyone know how you get considered for Bloomies Visa?
10-25-2009 12:32 AM - edited 10-25-2009 09:32 AM
Bloomingdales and Macys have the same issuer/same process. Gotta app in store for any shot at a Visa. You may not get it with your scores. Also bear in mind that Bloomingdales/Macys Visa have pretty high minimum APR's (app 20%). I have a Macys Visa because they invited me to accept the card which I did. The Visa TL was added to my store account w/o a hard INQ. I probably would not have app'ed for the card if it cost me an INQ on top of all the new account punishment.
10-25-2009 04:57 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO