Reply
Regular Contributor
Posts: 248
Registered: ‎11-20-2010
0

Nordstrom - from 500 to !!!!

Hey all!

 

So I have the Nordstrom store card now, and have had it for about 6 months. My payment history is excellent. I'm interested in getting a VISA with them. My current card with them has a $500 limit. Just wondering from anyone else who went from a store card of 500 to a visa....what was your request for increase? I'd like a 3,000 or 5,000 limit and know that's quite a jump. Just want to be reasonable.  Thanks for your input!!!



Current 2013 Score: ScoreWatch Transunion: 737, ScoreWatch Equifax: 723, Nordstrom Equifax: 734
Goal Score for January 2014: 750-809 range



Take the FICO Fitness Challenge
Frequent Contributor
Posts: 443
Registered: ‎03-22-2008
0

Re: Nordstrom - from 500 to !!!!

If you call customer service and ask for a CLI, they will ask about your current income, place you on hold while they check your file, and then will tell you what they can increase your limit to. I think you need to get to 5k for the visa.

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Established Contributor
Posts: 608
Registered: ‎02-02-2012
0

Re: Nordstrom - from 500 to !!!!


MissExcellentCredit wrote:

Hey all!

 

So I have the Nordstrom store card now, and have had it for about 6 months. My payment history is excellent. I'm interested in getting a VISA with them. My current card with them has a $500 limit. Just wondering from anyone else who went from a store card of 500 to a visa....what was your request for increase? I'd like a 3,000 or 5,000 limit and know that's quite a jump. Just want to be reasonable.  Thanks for your input!!!


You do realize that by asking for a $5,000 limit, you are asking for ten times your current limit, and at $5,000, it would be a Visa Signature. You have only had the card for 6 months, I would try for $2-3k.

Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Nordstrom - from 500 to !!!!

My Nordstrom card started with a $1000 CL.  I had it for 3 years and then after reading these boards decided to call and see if I could get an upgrade to their Visa Signature.  The rep said in order to upgrade my Nordstrom store card has to be at least a $5K CL.  So he said he would do a CLI for me instead.  So they knocked it up to $2500.  He told me to call back in 4-6 months and request another increase and once it increases to $5K, then I could upgrade to the signature.

 



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 267
Registered: ‎10-04-2009
0

Re: Nordstrom - from 500 to !!!!

Ask for what you want and let them counter. Be honest with the rep "my goal is to get the Visa upgrade, so what can you do for me today" and see what they say.
Regular Contributor
Posts: 248
Registered: ‎11-20-2010
0

Re: Nordstrom - from 500 to !!!!

Thanks to everyone for responding so far. Lady Rover, your comment was especially helpful. Thanks!



Current 2013 Score: ScoreWatch Transunion: 737, ScoreWatch Equifax: 723, Nordstrom Equifax: 734
Goal Score for January 2014: 750-809 range



Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Nordstrom - from 500 to !!!!


MissExcellentCredit wrote:

Thanks to everyone for responding so far. Lady Rover, your comment was especially helpful. Thanks!



Glad I could help. Let us know your results.



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Valued Member
Posts: 47
Registered: ‎02-16-2009
0

Re: Nordstrom - from 500 to !!!!

I have had my Nordies store card for a few years and up until last November never asked for a CLi. I just went from $750 to $2500, and in 4 months will see if I can double it, or at least get another $1k as I'm also working towards that $5k minimum for upgrading to the siggy card! I plan to charge about $1.5k on it (need new work clothes) and pay it off in one or two months, before I ask for another increase. I have heard if you only ask for increases and don't charge on it you will get a few hundred in CLI or none as they want you to use your increased CL. Best of luck and keep us posted as to your journey of getting a siggy card from Nordstrom!


Starting Score: EQ 530 TU 550
Current Score: EQ 693 TU 697
Goal Score: 720+


Take the FICO Fitness Challenge
Regular Contributor
Posts: 248
Registered: ‎11-20-2010
0

Re: Nordstrom - from 500 to !!!!

Thanks GWilliam. Yeah, Nordstrom likes you to spend, and then pay back of course. I like to get whats on sale and that helps me spend wisely without blowing my budget, but still being able to put "something" on the card, and then pay it off right away.



Current 2013 Score: ScoreWatch Transunion: 737, ScoreWatch Equifax: 723, Nordstrom Equifax: 734
Goal Score for January 2014: 750-809 range



Take the FICO Fitness Challenge
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.

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.