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CraveMazda
Posts: 120
Registered: ‎02-13-2009
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Nordstom's Visa Signature - Instant Approval

Right now, until Sept 16th Nordstroms's is offering triple points to cardholders. They were also offering a special bonus for a skincare line I use so I decided to take the plunge today and apply for their visa card. Got approved for $5K! Yay:smileyvery-happy:! I'm really thrilled because I wanted to get another card with a higher limit before closing my $700 Cap One card that charges me $29/year. I haven't even used the card in a year...

 

 

Question. Why do people set out to get so many credit cards? I've noticed on peoples signatures that they have various cards but we all know we don't use all of them. Is there a reason other than helping lower utilization (if you have balance) that one needs so many cards?

 



Cap 1 Plat: $750 | Zync: NPSL | NFCU Rewards MC: $23K | Nordstrom Visa: $10K | USAA Amex: $4K | Chase Freedom: $5K | Discover IT: 11,500K | BCE: $ 11K
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: Nordstom's Visa Signature - Instant Approval

CONGRATS on your approval!!

IMO people just either want the card for a specific purpose for purchasing or like you said, to lower util.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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gettnthere
Posts: 912
Registered: ‎06-14-2012
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Re: Nordstom's Visa Signature - Instant Approval

Congrats!:smileyhappy:



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
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maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
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Re: Nordstom's Visa Signature - Instant Approval

[ Edited ]

CraveMazda wrote:

Right now, until Sept 16th Nordstroms's is offering triple points to cardholders. They were also offering a special bonus for a skincare line I use so I decided to take the plunge today and apply for their visa card. Got approved for $5K! Yay:smileyvery-happy:! I'm really thrilled because I wanted to get another card with a higher limit before closing my $700 Cap One card that charges me $29/year. I haven't even used the card in a year...

 

 

Question. Why do people set out to get so many credit cards? I've noticed on peoples signatures that they have various cards but we all know we don't use all of them. Is there a reason other than helping lower utilization (if you have balance) that one needs so many cards?

 


CONGRATS ON THE CARD...

 

And to answer your question...I apply for cards to see if I can get them. And of course when it's approved...I'm over the moon. I'm addicted I tell you!! LOL.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Senior Contributor
Wolf3
Posts: 3,197
Registered: ‎01-24-2010
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Re: Nordstom's Visa Signature - Instant Approval


CraveMazda wrote:

Question. Why do people set out to get so many credit cards? I've noticed on peoples signatures that they have various cards but we all know we don't use all of them. Is there a reason other than helping lower utilization (if you have balance) that one needs so many cards?

 


Who is We?  Other than secured cards for rebuilding, I don't have cards that I don't use or intend to keep.    Granted some store cards don't get used often, but that is the nature of their product line.

 

Established Member
mrsbagalot1222
Posts: 29
Registered: ‎07-05-2010
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Re: Nordstom's Visa Signature - Instant Approval

congrats this is one of the cards I aspire to, hopefully by the holiday season next year

~Current Wallet: NFCU Signature CashRewards Visa $5000/AAFES Military Star Card $3600/NFCU NavCheck $1500/Applied Bank $700/Amazon GE $700/Walmart GE $500/Credit One $500/Paypal Smart Connect $300/Orchard Bank: $300/WFNNB-Comenity Bank:Victoria's Secret $300/Express $250/New York&Company $250~
Valued Member
DailyDriver
Posts: 38
Registered: ‎09-12-2012
0

Re: Nordstom's Visa Signature - Instant Approval

[ Edited ]

Congrats!

 

Right now I have 3 cards:

 

Citi Forward - use for purchases at Amazon, bookstores, and restaurants (sit down and fast food)....some people do not like Citi Rewards, but I like the ablility to get Best Buy Gift Cards or Student Loan Checks (my student loan provider does not accept credit card payments).

 

Citi Dividend World Mastercard- When I signed up it had 5% for gas, groceries, and drugstores (now revolving and potentially SD'ing when paid off)

 

Discover More- revolving 5% (applied for the 18 months 0% balance transfer)

 

 

 

 

Cards I am still interested in:

 

Amex BCP - 6 points for groceries would be big (I spend between $300-$400 a month on groceries)

 

US Bank Cash Plus- 5% on bill pay, to a lesser extent home improvement

 

Traveling card of some sort (Chase Sapphire Preferred or Amex Starwoods- do not travel as much as I would like to so I would want a flexible card, but would use for my 1% purchases at places like Target and Best Buy where I do not want to sign up for the store card)   

 

 

 

The Nordstrom card would be one I would be interested in if I had a store closer to me.  The only other stores I would be interested in are REI (none local) and Williams-Sonoma (reward requirements are too high for what I would purchase).

Citi Forward $6K l Citi Dividend World Mastercard $7K l Discover More $12K l Chase Freedom $4K l Amex Hilton HHonors $5.3K l NFCU GoRewards Visa 12.5K l Barclay US Airways World Mastercard $8K
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Nordstom's Visa Signature - Instant Approval


DailyDriver wrote:

Congrats!

 

Right now I have 3 cards:

 

Citi Forward - use for purchases at Amazon, bookstores, and restaurants (sit down and fast food)....some people do not like Citi Rewards, but I like the ablility to get Best Buy Gift Cards or Student Loan Checks (my student loan provider does not accept credit card payments).

 

Citi Dividend World Mastercard- When I signed up it had 5% for gas, groceries, and drugstores (now revolving and potentially SD'ing when paid off)

 

Discover More- revolving 5% (applied for the 18 months 0% balance transfer)

 

 

 

 

Cards I am still interested in:

 

Amex BCP - 6 points for groceries would be big (I spend between $300-$400 a month on groceries)

 

US Bank Cash Plus- 5% on bill pay, to a lesser extent home improvement

 

Traveling card of some sort (Chase Sapphire Preferred or Amex Starwoods- do not travel as much as I would like to so I would want a flexible card, but would use for my 1% purchases at places like Target and Best Buy where I do not want to sign up for the store card)   

 

 

 

The Nordstrom card would be one I would be interested in if I had a store closer to me.  The only other stores I would be interested in are REI (none local) and Williams-Sonoma (reward requirements are too high for what I would purchase).


Off topic but how is the citi forward card? After going through the motions with citi bank...I still want their damn card! LOL!

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Member
DailyDriver
Posts: 38
Registered: ‎09-12-2012
0

Re: Nordstom's Visa Signature - Instant Approval


maiden_girl wrote:

 

Off topic but how is the citi forward card? After going through the motions with citi bank...I still want their damn card! LOL!


I have not had a problem with it.  It is my first card, which I started as a student MTVu card and was upgraded.  It had an auto CLI when I was using it regularly.  The APR is at 16.99% which is not too bad for the points it can accumulate.  It does not say Visa Signature, but when Fandango runs a Visa Signature promo for b1g1 free tickets, the Forward card works.

Citi Forward $6K l Citi Dividend World Mastercard $7K l Discover More $12K l Chase Freedom $4K l Amex Hilton HHonors $5.3K l NFCU GoRewards Visa 12.5K l Barclay US Airways World Mastercard $8K
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
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Re: Nordstom's Visa Signature - Instant Approval

Congrats


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