Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 178
Registered: ‎09-12-2012
0

Re: Nordstom's Visa Signature - Instant Approval

Congrats!! I have 3 primary cards I use: Amex BCE, Chase Freedom, and Discover More. Chase and Discover are used for rotating 5% and Amex for groceries and everything else. It's all about how you use the cards.
Regular Contributor
Posts: 183
Registered: ‎07-25-2008
0

Re: Nordstom's Visa Signature - Instant Approval


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! YaySmiley Very 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!!! I have the store card I hope to be upgraded to the visa card soon.  I got a $3000 CLI in July 2012 which makes my CL $3,500 for big sale that they had for the winter.  

Amex ZYNC - Amex BCP - Amex Mercedes-Benz - Amex PRG - Amex TrueEarnings - Emigrant Direct Visa - Xcel FCU Visa - Walmart Discover - Sam's Club Discover - Macy's - Bloomingdales - Nordstrom - Sam's Club CC - Discover IT and US Bank Visa FlexPerks, CitiHHonors Sig Visa - NAVcheck, NAVcashRewards Sig Visa, NAVgoRewards MC, Chase Amazon VISA, BoA CashRewards VISA and Chase Marriott Reward Premier CC

Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
0

Re: Nordstom's Visa Signature - Instant Approval

Congrats!  Smiley Happy

 

I like to use my Siggy Visa at Macy's!  Smiley Very Happy

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Contributor
Posts: 1,098
Registered: ‎02-03-2009
0

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! YaySmiley Very 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?

 


For me, I got several cards while rebuilding from my BK. When I was 7-8 yrs post BK, I started reading the Forums, and found out about cards I could likely get, with higher limits than the rebuilders. Some of those cards I got to use and to help with utilization. The ones with no AF, I kept. I also kept the store cards I use regularly, like Kohls, Macy's and Discover. To be honest, I have thought about closing Jared (just rarely use it). But with no AF, and a 7.6 k limit, it is a good cushion for Util. I keep Nordstrom for occasional sales, and it also has a 10k limit.  I do have to rotate cards in my " rotation" to use them at times. 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (6), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 RLR MC, Diner's Club MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (11/2015): EQ My Fico: 793; TU MyFico: 781; EX (My Fico): 789
Established Contributor
Posts: 839
Registered: ‎10-28-2011
0

Re: Nordstom's Visa Signature - Instant Approval


emptypockets wrote:

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! YaySmiley Very 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?

 


For me, I got several cards while rebuilding from my BK. When I was 7-8 yrs post BK, I started reading the Forums, and found out about cards I could likely get, with higher limits than the rebuilders. Some of those cards I got to use and to help with utilization. The ones with no AF, I kept. I also kept the store cards I use regularly, like Kohls, Macy's and Discover. To be honest, I have thought about closing Jared (just rarely use it). But with no AF, and a 7.6 k limit, it is a good cushion for Util. I keep Nordstrom for occasional sales, and it also has a 10k limit.  I do have to rotate cards in my " rotation" to use them at times. 


hold old was your BK when u got your high CL cards???


Valued Contributor
Posts: 1,098
Registered: ‎02-03-2009
0

Re: Nordstom's Visa Signature - Instant Approval

I would say the 5 yr mark is when I started being approved for higher (5k +) limits. Prior to that, I wasn't too knowledgeable about what to do to get better limits (asking for CLI's, etc.). Once I got 1-2 higher limit cards, it becamsa easier after that. Plus, by the 5 yr mark, many of my smaller cards were older, and better established leading to more CLI's and approvals with higher limits.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (6), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 RLR MC, Diner's Club MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (11/2015): EQ My Fico: 793; TU MyFico: 781; EX (My Fico): 789
Frequent Contributor
Posts: 336
Registered: ‎08-12-2011
0

Re: Nordstom's Visa Signature - Instant Approval

What was your score when you applied. Did they pull transunion? Was your utilization low.  

Just something to compare our own credit with, congrats!  Thanks.

Contributor
Posts: 120
Registered: ‎02-13-2009
0

Re: Nordstom's Visa Signature - Instant Approval

Last check my EQ was at 691. I have a few baddies that will fall off next year, but I have 20 + years of history (thanks to backdating thru my Amex Zync). It's been a slow climb rebuilding my credit. I don't have a mortgage and think that might be why my score hasn't gotten up to the 700's yet. I don't think my profile is well rounded enough.



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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.