Reply
Frequent Contributor
GST2008
Posts: 443
Registered: ‎03-22-2008
0

Re: Nordstroms Card

I just got my Nordstrom's card about two weeks ago.  They pulled all three of my CRs.

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
MojaveMoon
Posts: 536
Registered: ‎08-26-2008
0

Re: Nordstroms Card

[ Edited ]

Keep in mind this was back when all I did was shop at Nordstrom and almost never paid the card off, I had it maxed plus some and took cash advances on it monthly (nordstrom does not charge anything to take cash advances or charge higher apr!)


Good to know! So, Nordstrom doesn't even charge the 3 or 4% cash advance fee that banks typically charge ?
Message Edited by MojaveMoon on 11-27-2008 09:45 PM
Regular Contributor
Zar
Posts: 107
Registered: ‎04-23-2008
0

Re: Nordstroms Card

Hello GST2008,

 

What kind of Nordstrom card did you apply for? Retail card or Visa card? I'm interested in the retail card but if the pull the three CRAs then I ill not do it.

 

Thanks!

 

Zar :smileyhappy:

 

 

 

 

 

Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008
0

Re: Nordstroms Card

I applied today and was declined!  They pulled only EQ.

 

Bummer.

Regular Contributor
spiritcraft1
Posts: 163
Registered: ‎08-15-2008
0

Re: Nordstroms Card

[ Edited ]

I was declined as well...  EQ 729 FICO, 3 INQ's and new accounts...  denied for INQ's  All 3 in last month...

 

congrats OP

Message Edited by spiritcraft1 on 11-29-2008 10:18 AM
11/6/09 TU 724 / EX 739 (FICO from CU) / EQ 701
Frequent Contributor
manyquestions
Posts: 292
Registered: ‎10-20-2008
0

Re: Nordstroms Card

Like the other banks, I think Nordstrom has really tightened up on giving out credit.  They also raised everybody's APR across the board.
Frequent Contributor
GST2008
Posts: 443
Registered: ‎03-22-2008
0

Re: Nordstroms Card

When I originally applied, it was for the Visa, but they consider you for the store card as well if you don't make the requirements for the Visa.  I applied over the phone b/c I wanted to make sure they would give me the card and that I could talk to somebody if there was a problem.  The gentile man was very helpful and informed me that although I was just short of the requirements for the visa, I would receive the store card.  He also informed me that I would be more than eligible for the visa in about three months as long as I used the card and paid regularly.  Initially only EX and TU showed up as being pulled, but then a day later, I get a message saying that EQ was also pulled, but I got my card, so it was worth it =)  I'm good with new accounts for at least six more months and could afford the inquiries.

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
Regular Contributor
Zar
Posts: 107
Registered: ‎04-23-2008
0

Re: Nordstroms Card

GST2008,

 

Thanks for the information. I would like to apply only for the retail card... do you know if they hard pull all three CRAs for this card or they pulled your three credit reports because you applied for the Visa card, which I think has higher requirements.

 

Zar :smileyhappy:

Frequent Contributor
GST2008
Posts: 443
Registered: ‎03-22-2008
0

Re: Nordstroms Card

I think they may have pulled all three b/c I asked for the visa and the CRS was trying to get the score I needed.  My guess was that you need a 700 for the Visa so he was trying all three to see if I had it.  He told me I was close lol and my EQ is 695.  I can't say for sure though.

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
Regular Contributor
Zar
Posts: 107
Registered: ‎04-23-2008
0

Re: Nordstroms Card

[ Edited ]

Thanks GST2008!

 

I applied online for the retail card (the one I wanted) yesterday. I got the 7-10 day message in the mail. I called right after the provided phone number to ask about my application status, and they confirmed I had been approved! EQ (after they pulled it) is 724 so probably it was over 730 at the application time.

 

Zar :smileyhappy:

Message Edited by Zar on 12-21-2008 10:40 AM

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+