Credit Cards Center Credit cards from our partners
Epic Contributor
Posts: 26,119
Registered: ‎10-23-2007

Re: Neiman Marcus .....declined

The Neiman Marcus Credit Card started heading to the level of Orchard Bank almost as soon as HSBC took them over... before that was actually when I worked there and you had to have like the most terrible credit ever not to get approved... they would give out a $700 starting CL to about anyone that would apply because they knew if they declined that app at the register that sale was going to go away for ME (sales person) because that person with iffy/bad credit probably only applied after I told him/her I couldn't not take the Visa/MC they were handing me... Happened a lot!!


Other note is Neiman Marcus use to act and report like a charge card... they would usually only tell CL to employee but without authorization you could charge AT LEAST 20% above the internal limit and beyond that I really didn't have any declines... I can really only think of 1...


I wish either they would take it back internal or get a real bank pairing to bring back the Neiman Marcus American Express!!!

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
New Visitor
Posts: 1
Registered: ‎10-28-2013

Re: Neiman Marcus .....declined

I work here and I can tell you exactly why u were denied! No, we do not count mortgage or auto inquiries! You had to have at least 3 inquiries in the last 60 days non- mortgage and non-auto to be declined for that reason.. I will suggest you take a look at your credit bureau and then apply again! Matter fact just wait 2 months and apply again and make sure you are not applying for other stuff! Good Luck
Posts: 27,207
Registered: ‎09-13-2012

Re: Neiman Marcus .....declined


Welcome to the forum. Unfortunately, the post you responded to was from 2011 and I'm sure the OP has either moved on or apped later.

Thank you for the information regarding Neiman's current policy on inq's - it might prove helpful to those seeking credit now.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.