Reply
Frequent Contributor
Posts: 389
Registered: ‎10-02-2012
0

Re: Nordstrom Credit Card (they need to confirm identity?)

One last question.....I know you said you don't have one of their cards, but do they have instant approvals, or are they all "7-10 days"? And is the recon number open on weekends?

Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($3.5k) FNBO Chrysler MC ($20k) Gold Delta SkyMiles AmEx ($9.5k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($35k) Starwood Preferred Guest AmEx ($2k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Walmart Discover ($7.5) Arrival + WMC ($12.5k) Wells Fargo Visa ($3k)
Contributor
Posts: 567
Registered: ‎10-04-2012
0

Re: Nordstrom Credit Card (they need to confirm identity?)


resilient wrote:

One last question.....I know you said you don't have one of their cards, but do they have instant approvals, or are they all "7-10 days"? And is the recon number open on weekends?


I would imagine that they have to have instant approvals in-store, or else it defeats the purpose of offering you the opportunity to apply there. If they can't instant approve, then they lose the business to another lender or they lose the sale outright.

 

I have no idea about their credit department hours, sorry. You could call and ask / check?

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Frequent Contributor
Posts: 389
Registered: ‎10-02-2012
0

Re: Nordstrom Credit Card (they need to confirm identity?)

Good info, Thanks, and I'll ponder if I really need it. It seems like it'd be a nice card though.

Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($3.5k) FNBO Chrysler MC ($20k) Gold Delta SkyMiles AmEx ($9.5k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($35k) Starwood Preferred Guest AmEx ($2k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Walmart Discover ($7.5) Arrival + WMC ($12.5k) Wells Fargo Visa ($3k)
Contributor
Posts: 567
Registered: ‎10-04-2012
0

Re: Nordstrom Credit Card (they need to confirm identity?)

If you do apply, go for the Nordstrom Notes, not the retail card. Best of luck!

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Frequent Contributor
Posts: 268
Registered: ‎10-04-2009
0

Re: Nordstrom Credit Card (they need to confirm identity?)

Instant approvals are available in store. At Nordstrom though, an "instant" approval often means the associate taking your app phones in to credit services and they verify id and might ask some questions. Or it just spits out on the receipt as a true instant approval, but they do love to confirm id and such -- so dont think the associate having to call in means your declined. It's very common.

 

Online instant approvals are rare. They usually 7-10 day everyone. Sometimes they will have an answer almost right away if you call. again, don't think having to wait necessarily means you are declined.

 

Credit services is open 24/7. it's possible a recon would be handled by a supervisor that works regular business hours though. depends on if you are declined for something easily overridden or if you need more authority to approve.

Frequent Contributor
Posts: 389
Registered: ‎10-02-2012
0

Re: Nordstrom Credit Card (they need to confirm identity?)

Lots of good info, I appreciate it. Do you know which report they pull? I'm in Georgia.
Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($3.5k) FNBO Chrysler MC ($20k) Gold Delta SkyMiles AmEx ($9.5k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($35k) Starwood Preferred Guest AmEx ($2k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Walmart Discover ($7.5) Arrival + WMC ($12.5k) Wells Fargo Visa ($3k)
Contributor
Posts: 567
Registered: ‎10-04-2012
0

Re: Nordstrom Credit Card (they need to confirm identity?)


resilient wrote:
Lots of good info, I appreciate it. Do you know which report they pull? I'm in Georgia.

I believe they always pull EQ, and if necessary / marginal, they'll pull TU as well.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Frequent Contributor
Posts: 389
Registered: ‎10-02-2012
0

Re: Nordstrom Credit Card (they need to confirm identity?)

And would you say scores need to be well over 700?
Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($3.5k) FNBO Chrysler MC ($20k) Gold Delta SkyMiles AmEx ($9.5k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($35k) Starwood Preferred Guest AmEx ($2k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Walmart Discover ($7.5) Arrival + WMC ($12.5k) Wells Fargo Visa ($3k)
Contributor
Posts: 567
Registered: ‎10-04-2012
0

Re: Nordstrom Credit Card (they need to confirm identity?)


resilient wrote:
And would you say scores need to be well over 700?

I don't know for sure, but they have a reputation as a somewhat conservative lender, so I would imagine the closer to 700, the better.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Frequent Contributor
Posts: 389
Registered: ‎10-02-2012
0

Re: Nordstrom Credit Card (they need to confirm identity?)

Thanks a lot. I'll find the recon number just in case, and pull the trigger!

Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($3.5k) FNBO Chrysler MC ($20k) Gold Delta SkyMiles AmEx ($9.5k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($35k) Starwood Preferred Guest AmEx ($2k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Walmart Discover ($7.5) Arrival + WMC ($12.5k) Wells Fargo Visa ($3k)
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 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.