Nordstrom Visa Signature with no $5000 TL - your thoughts?

[24play]

Hi everyone!

First time poster, long time lurker here. 

So I've been really itching to get the Nordstrom Visa Signature, Chase Freedom, and Costco Amex (in this order) but I would like to know what you all think the odds of me obtaining these cards are - here's my stats:

Fico EQ: 802

Fico EX: 761

CK TU: 738

AAoA: 6 years 4 months

Utilization: 28%

Inquiry: 1

The only thing holding me back is my CL. I have a Capital One card with $2000 CL and I just got the Discover It with $4500 CL on 10/18, which hasn't been reported to CB yet).  I've read that Discover can take MONTHS to report to the agencies and my patience is running out!  I also understand that Nordstrom (or any Visa Signature cards) prefer you to have TL with $5000+ beforehand and that is where my problem lies. Is the fact that I don't yet have a $5000 TL a dealbreaker? I was thinking of heading to Nordstrom's some time next week (when it's not so much a wild zoo) to apply but I would like your opinions of whether you think I'll be approved or denied for the Visa (not retail card).

Thank you all in advance and happy app'ing (err...holidays)! 

[09Lexie]

Welcome to forum. Not having a $5k CL is not a deal breaker. Besides the Cap 1, do you have any other TLs? Any baddies?

[24play]

Thank you, Lexie-

I just got the Discover It ($4500) in Oct. but other than that no...no loans, mortgages, etc. No baddies either.

[09Lexie]

The worse thing that can happen is you'll be approved with the store card. They are very good with upgrades after six months so it would not be a lost cause.
Definitely app in person

[Creditaddict]

I would apply for all 3 of the ones you want right now!

I wouldn't worry 1 second about not having a previous $5k line... I bet your new ones will!

[manyquestions]

I think you will get approved for all of those cards.  Apply for the Nordstrom first.

[Longroad]

I had no other $5K CLs before Chase gave me mine. Besides, someone has to be first. Good luck and welcome

[24play]

Thank you everyone for your feedback and warm welcome! I will apply for all 3 next week once I receive my 2nd Discover statement. Will keep you all updated! 

[indiolatino61]

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@24play wrote:

Hi everyone!

First time poster, long time lurker here. 

So I've been really itching to get the Nordstrom Visa Signature, Chase Freedom, and Costco Amex (in this order) but I would like to know what you all think the odds of me obtaining these cards are - here's my stats:

Fico EQ: 802

Fico EX: 761

CK TU: 738

AAoA: 6 years 4 months

Utilization: 28%

Inquiry: 1

The only thing holding me back is my CL. I have a Capital One card with $2000 CL and I just got the Discover It with $4500 CL on 10/18, which hasn't been reported to CB yet).  I've read that Discover can take MONTHS to report to the agencies and my patience is running out!  I also understand that Nordstrom (or any Visa Signature cards) prefer you to have TL with $5000+ beforehand and that is where my problem lies. Is the fact that I don't yet have a $5000 TL a dealbreaker? I was thinking of heading to Nordstrom's some time next week (when it's not so much a wild zoo) to apply but I would like your opinions of whether you think I'll be approved or denied for the Visa (not retail card).

Thank you all in advance and happy app'ing (err...holidays)! 

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Welcome! ...and watch it with the happy apping remarks...lol.