Just receieved my first credit card in seven yrs

[linux007969]

So what part of the credit department do you work in?

Like do you work with all the requests the executive office gives to have peoples accounts reviewed for an increase?

I don't supose there's a number you can provide to talk people like yourself within the credit department? ........ lol you don't have to answer that as you could get fired.

[erniepotts01]

The other inqs are 12 months or older. 5 From TU and the rest from EQ 

I Work in the private label Dept.

We handle store cards from boscov's, Maynards, Guitar Center, Big Lots, Funiture Row, Nordstroms, and a few others.

I know ppl wont believe me but there is no such thing as an EO Branch...lol

Just a UAQ line that will do manual UW. 

Anyone can push back and have an account manually reviewed but I nor have any off my co workers ever heard of an EO Branch..It doesn't exist... not even in the directory.  

[erniepotts01]

Yes I do CLI's, CR, Acct Maint, New Apps

[toi34]

You can be a WEALTH OF INFORMATION for those of us trying to rebuild. Please list: (1) which private label cards are easy to get approved for, and (2) how many months are needed in between 4 inqs?

Thanks!

[erniepotts01]

I can also get fired too....lol

I would suggest those looking for private label cards serviced by cap one to have 6 months no inqs.

No more than 3 inq in a month unless it is a mortage or car loan.

[09Lexie]

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@erniepotts01 wrote:

The other inqs are 12 months or older. 5 From TU and the rest from EQ 

I Work in the private label Dept.

We handle store cards from boscov's, Maynards, Guitar Center, Big Lots, Funiture Row, Nordstroms, and a few others.

I know ppl wont believe me but there is no such thing as an EO Branch...lol

Just a UAQ line that will do manual UW. 

Anyone can push back and have an account manually reviewed but I nor have any off my co workers ever heard of an EO Branch..It doesn't exist... not even in the directory.  

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Really,  I was unaware that Nordstrom is affiliated with Cap 1 in any form. They indicated Nordstrom Retail Bank as the issuer

[erniepotts01]

Cap One is bigger than you think....

[Creditaddict]

Flag on play... Nordstrom is it's own bank... Cap1 is not part of unless I missed huge memo!!

[erniepotts01]

Nordstrom may have its own bank but may be "serviced" through cap one....Yamaha motors has a similar situation but I will check that out though.

The queue I run is boscov's, big lots, furniture row, hezberg diamonds, and guitar center. But theres like 30 private label cards financed by cap one....

And I am always subject to be wrong lol.

[09Lexie]

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@erniepotts01 wrote:

Nordstrom may have its own bank but may be "serviced" through cap one....Yamaha motors has a similar situation but I will check that out though.

The queue I run is boscov's, big lots, furniture row, hezberg diamonds, and guitar center. But theres like 30 private label cards financed by cap one....

And I am always subject to be wrong lol.

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I think you are wrong with Nordstrom.  Not only are they their own bank but they service their own cc's.