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@Anonymous wrote:
Hello. Question. I applied online for an Express account and got the 7-10 day message. Looking at my CR I have about 2 hard inquiries across all. I have 2 open cards a Chase Saphire Preferred CL 10,000 and a GE Dillard's AMEX for 7,500. Zero balances. UTL across the board 2%. AAOA 5.8 years no baddies no where ever. I was denied 2 years ago and got the same message. At the time my UTL was high. My last FiCo on TU 758 here on myfico. WFNNB hates me for some reason lol.
I do have a fraud alert and called in to see if they had questions they said I have to wait for the letter. Is there a back door number? Has anyone ever had any experience or luck moving forward in this situation?
im NOT trying to sound like a butt lol but if you have a Saphire with a 10k line.. and store branded amex for 7500... why would you want an express clothing store credit card? They are going to give you a small credit line and it can only be used at express stores.... and if your scores, util and credit lines are what you say they are then you should be applying for much much much better prime cards my friend.
You can try going to there website and get "pre-approved"
I just did it a couple nights ago and got approved instantly and no hard pull..... yet (fingers-crossed).
My credit is not so great but I do have a couple other store cards from WFFNB....
2 Things:
1. Nice to poster with $2750 - That is Express Card Max Credit Line!
2. If you shop at Express the card is a must have, it's kind of like shopping at Macy's, As much as I hate them sometimes you are really just throwing your money away if you use anything other then Macy's Credit Card... Express same... they will send coupons and unlike other companies that would only let you use 1 coupon per visit or something... besides maybe irritating the person behind you but you can literally break up all your transactions and do several and use coupon with each... I usually am considerate if they are busy and I will take a second off to side and try to put things together that I think will work best for the coupons then be ready for any little changes if numbers come up a little bit different.
and now they have the Next Card... Once you clear to the higher tier then the deals get even better!! I have literally spent like $300-$375ish or so in a trip and used so many couons I ended up around 40-45% off the total! and then i get the rewards on the credit card that come later for that!!!
one other macy's thing (sorry thrad jack) thanks for sharing happening now, if you spend more then $250 on card for rest of year you paid for the charity donation to earn 10% back sent via gift card next year.
I tried this and received nothing at checkout. Not sure how this works. I there a certain dollar amount you have to have at checkout in order for the pop-up to appear? All my blocks are off, so I don't know what gives. Ideas?
@sybo40 wrote:I tried this and received nothing at checkout. Not sure how this works. I there a certain dollar amount you have to have at checkout in order for the pop-up to appear? All my blocks are off, so I don't know what gives. Ideas?
Just keep trying for a couple days, You can also try their other stores: Victoria's Secret, Roamans, Spiegel, J Crew....