Nordstrom Card Question on approval

[Anonymous]

What scores looks good for approval. I'm at 660 fico. No baddies. Credit Utilization 77% I would like this card. Thanks

[Creditaddict]

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@Anonymous wrote:
What scores looks good for approval. I'm at 660 fico. No baddies. Credit Utilization 77% I would like this card. Thanks

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That util. is a killer!

[Anonymous]

Drop that Util.... 77% will kill most people to be approved

[Anonymous]

Will do. I paid them all off today. 0 balances. Do I have to wait til it's repoeted?

[Creditaddict]

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@Anonymous wrote:
Will do. I paid them all off today. 0 balances. Do I have to wait til it's repoeted?

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yes next statement is when they will likely update to credit report the current balance at that point.

Can be a tough game if you have just a few low limit cards.

[Anonymous]

Bank CC: 5K CLI
Cap1:: 400$

[Creditaddict]

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@Anonymous wrote:
Bank CC: 5K CLI
Cap1:: 400$

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That cap1 has got to go!

well at least get a new one with higher limit when you start seeing pre-approvals for it and then you can combine them down the road.

[pizza1]

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@Anonymous wrote:
Will do. I paid them all off today. 0 balances. Do I have to wait til it's repoeted?

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for future reference, you dont want ALL of your CC's to report a zero balance. FICO cant score you in the revolving area if there's nothing to score (0%). It could drop your fico score even further. Next time..let all your cards report a zero balance except for ONE, and that one card report 1-9% of the CL for a small balance to report. You will optimize your fico scores that way. 

And yes...I wouldnt apply until your reports reflect the payments. As stated earlier, 77% util is too high.  

[Anonymous]

May I ask what specifically interests you in the card? It does have a fund for alterations, and I believe you get a $20-$30 certificate towards a purchase.  You do get early access to sales (like anniversary sale)....and I am told since its with TD bank it can be good for those who are dual citizen and want to do cross border banking.  They wont start you off with a high limit, and you may not even get the visa.  Its also a shame they don't offer extra points for Last Chance, but their prices are so low, nobody should complain.

[Anonymous]

My wife loves shopping there. I don't mind spending there as well. Wanted to take advantage of the perks. If you will.