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....and they're inquiry sensitive for the DEBIT CARD. I was stunned, when I was declined, because of inquiries.. It kinda left a bad taste in my mouth. I love Nordstrom, but I can fall out of love with them just as quickly.
OP, congrats to you, considering all the hoops you had to jump thru, with an 800 credit score. SMH
@enharu wrote:
Ah I see. Thanks a lot for the info. Damn they are very sensitive then :/
Hopefully they pull my EQ as well. My area is predominately EX pulls. But I probably will just give it more time then. If you had such a hard time getting approved I doubt I have any chance this year.
They seemed to imply it wasn't that three HPs was a lot, but that they were all within 3 days (makes sense). Had I waited even just one month, I suspect the approval would have gone though automatically.
@CreditCardDiva wrote:....and they're inquiry sensitive for the DEBIT CARD. I was stunned, when I was declined, because of inquiries.. It kinda left a bad taste in my mouth. I love Nordstrom, but I can fall out of love with them just as quickly.
OP, congrats to you, considering all the hoops you had to jump thru, with an 800 credit score. SMH
Wow. I would be furious if they declined me for the debit card because of recent inquiries. There's almost no credit risk in that case; they shouldn't even be pulling credit reports but rather ChexSystems.
Yeah, I was also left with very bad taste in my mouth; I think I used that exact phrase in my email. Being denied for credit while the sales associate, whom I was on a first-name basis with, was ringing me up was very embarassing. He was just as shocked as I was with the denial because he knows how good of a customer I've been, and I'm sure he was upset that it nearly cost him a large sale (I did come back the next day to complete it).
Had I been ultimately denied for this card, I would have seriously considered returning everything I recently purchased and just going to Bloomingdale's down the street.
@09Lexie wrote:
I received my cc last November with 3 inq's ( they would be 4) the past 6 mos. only 1 inq preceding my app and of the 3 inq's, 2 were banking related (Alliant and ING). I believe that since they were spread out over 5 months they were ok with the number.
Ask for a CLI after your 6 statement has cut. Mine was a SP, YMMV but others have reported also they have been SP's.
Do you know if Nordstrom's likes to see heavy usage prior to granting a CLI? I wouldn't be surprised if I never used this card since I can get 6x through the UR mall and 5x through gift cards if I need to shop there in person. The only time I can see myself using the Nordstrom card would be on a 5x day where the cashback equivalent comes out to 10%.
@bribro wrote:
@CS800 wrote:Congrats !!
I take it you got the Visa Sig?
Thanks. Yup, they gave me a $5k CL, which I assume is the smallest line they do for that card. It makes no difference to me though because I will be using other cards to get 5x-6x in UR points, which are worth a whole lot more than Nordstrom Notes even on triple point days. I got the card for the tailoring allowance, early access to sales, and I wanted another store card since I don't have many.
I have the regular store card at $1k CL. They said I need to show more usage and then call to see if they can switch it to a Sig.
I'm waiting for the special events.
Great job on your recon OP! Congratulations!