01-23-2009 11:34 AM
- Better to apply IN STORE or through internet? Any different chance for approval? I heard something about getting 20 Nordstrom bucks if you apply in store and spend $100 while you are there. Is this true? (The nearest nordstrom is 1.5 hours away....)
-In terms of visa/store card. Is is better to shoot high and go for the visa plat. and possibly getting rejected? Or just applying for the store card and then asking to upgrade? Is any way better than the other? Less inquiries?
01-23-2009 12:34 PM
01-23-2009 01:16 PM - edited 01-23-2009 01:18 PM
01-23-2009 01:18 PM - edited 01-23-2009 01:19 PM
I would call back again right now and ask for the cl and clarification on if it a store card or visa.
Most likely, you will get a different rep. No harm in calling again right now.
01-23-2009 01:25 PM
I dont know if there is any special consideration if you apply in the store. I applied over the internet. Apply for Platinum and if you dont qualify for it then they would consider you for store card automatically. It is one of the best cards to have.
I know they are suppose to have great customer service and low apr but what else is so great about this card? What type of rewards?
01-23-2009 01:52 PM
SAD! called back and got another nice rep. she said its only a store card.
$2,000 limit with THE worst apr ever. 22.9 gag. i am gagging at that APR.
i was really really wanting the visa with the tier 1 apr (7.9%)...
i asked her about it and she said to put some usage on it (perhaps even 7 months worth)
and then if im ever in the store ask about an upgrade to the visa.
which i assume will come with a lowering of apr?
a tiny bit sad. do i have any options in terms of speeding up this process of upgrades/lower apr?
01-23-2009 01:55 PM
01-23-2009 02:15 PM
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.
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.