topic Re: Nordstrom CC Approval! in Credit Card Approvals

Nordstrom CC Approval!

QuakerOatmeal — Mon, 07 May 2018 18:52:36 GMT

I really should be gardening, but I couldn't resist applying for the Nordstrom Store card/Visa card.

I had this card (the visa version)many, many moons ago until I flubbed up my credit. So getting this card again was a personal milestone for me, I thought I'd never get considered for one again.

I got approved for a so-so limit of 2,500 on friday. But I haven't gotten any inquiry alerts yet... Is it possible that it was a soft pull?

Also, I read somewhere that TD is the owner of Nordstrom CC accounts, is this true? If that's the case why would Target approve me for such a baby limit of 300, but then give me access to 2,500 at Nordstrom? Does Nordstrom still let you graduate from the store card to the visa card? I've done some snooping on the forums and I haven't seen this card mentioned very often recently...

Anyway, I'm very happy I was able to get approved for this card even though I don't see myself using it very often. I feel like I'm finally getting all my "credit ducks" back in a row.

Fico Score 8 - 698
Transunion- 694
Total Open Accounts 16
AAoA 10 months
Hard Inquiries 14
Credit Utilization 6%

Re: Nordstrom CC Approval!

Anonymous — Mon, 07 May 2018 18:37:21 GMT

Congrats on your approval!

$300 in Nordstrom wouldn’t go very far lol. Don’t get me started on Target, their limits, and inability to request a CLI. I’m salty. 😐

Data points?

Re: Nordstrom CC Approval!

QuakerOatmeal — Mon, 07 May 2018 18:53:10 GMT

Updated my original post with data points let me know if I'm missing any XD

Re: Nordstrom CC Approval!

Anonymous — Mon, 07 May 2018 19:19:02 GMT

Congratulations, the Nordstrom card will grow fast.

I am in WA state, they HP EX here, but it seemed to take a few day. Unfortunately, they do not graduate the store card to the Visa anymore.

Did you apply online or in the store? They have two Visa cards, the Plat and the Sig. I would call and see if they will let you have atleast the Plat Visa. The credit limit will grow and you can ask to have your interest rate lowered.

Re: Nordstrom CC Approval!

QuakerOatmeal — Mon, 07 May 2018 19:29:22 GMT

Thank you!

I applied online. Is that something you can do? (I'm new, so I'm unsure). If I got approved on friday can I call and see if I'm eligible for it? It's weird because when I got approved they didn't even say for how much, I had to call in order to find out my CL.

Re: Nordstrom CC Approval!

sdsoccerdad — Mon, 07 May 2018 19:24:40 GMT

Congrats! I'm sure you can't upgrade from the store to Visa. Before you were able to if you had a cl of $5K or more. I started off at $1500 and am now at $6500. I called and asked but they said I had to apply instore/online. I don't want another HP for it so I will just leave it as is.

Re: Nordstrom CC Approval!

FinStar — Mon, 07 May 2018 21:08:37 GMT

@QuakerOatmeal wrote:
I really should be gardening, but I couldn't resist applying for the Nordstrom Store card/Visa card.

I had this card (the visa version)many, many moons ago until I flubbed up my credit. So getting this card again was a personal milestone for me, I thought I'd never get considered for one again.

I got approved for a so-so limit of 2,500 on friday. But I haven't gotten any inquiry alerts yet... Is it possible that it was a soft pull?

In some cases it may be, but you'd have to check your CRs to determine whether the hit was SP or HP.

Also, I read somewhere that TD is the owner of Nordstrom CC accounts, is this true? If that's the case why would Target approve me for such a baby limit of 300, but then give me access to 2,500 at Nordstrom? While TD Bank may the servicer for both accounts and entities, that doesn't translate into the same UW for both. Each entity is separate and determine their own UW thresholds. Does Nordstrom still let you graduate from the store card to the visa card? Not any longer, unfortunately. You're either approved for the retail store card or the Visa Platinum/Visa Signature. I've done some snooping on the forums and I haven't seen this card mentioned very often recently...

Anyway, I'm very happy I was able to get approved for this card even though I don't see myself using it very often. I feel like I'm finally getting all my "credit ducks" back in a row.

Fico Score 8 - 698
Transunion- 694
Total Open Accounts 16
AAoA 10 months
Hard Inquiries 14
Credit Utilization 6%

Re: Nordstrom CC Approval!

FinStar — Mon, 07 May 2018 21:09:55 GMT

@Anonymous wrote:
Congratulations, the Nordstrom card will grow fast.
I am in WA state, they HP EX here, but it seemed to take a few day. Unfortunately, they do not graduate the store card to the Visa anymore.

Did you apply online or in the store? They have two Visa cards, the Plat and the Sig. I would call and see if they will let you have atleast the Plat Visa. The credit limit will grow and you can ask to have your interest rate lowered.

The store card cannot be upgraded into any of the Visa versions any longer.

Re: Nordstrom CC Approval!

Credit-hoarder — Tue, 08 May 2018 02:09:11 GMT

That was the sole reason for me app-ing for mine--to eventually get it turned into the Visa. But according to this forum the last invites for upgrades AFAIK went out last July or August. Going forward after that everyone had to re-apply to get the Visa version.

Re: Nordstrom CC Approval!

QuakerOatmeal — Wed, 09 May 2018 16:02:47 GMT

Its been a few days since my approval and still no alerts about hard pulls! Hmph.

Re: Nordstrom CC Approval!

QuakerOatmeal — Fri, 18 May 2018 21:01:38 GMT

Just another update, NO HARD PULLS!

It was just for the store card by the way, not the Visa version. Didn't use the SCT either.

Just a straight up late night drunken application that I immediately regretted the following morning. @.@

Re: Nordstrom CC Approval!

sdsoccerdad — Sat, 19 May 2018 12:40:31 GMT

@QuakerOatmeal wrote:

@Anonymous a straight up late night drunken application that I immediately regretted the following morning. @.@@

That's me last week when I apped for the Amex Everyday! LOL

Re: Nordstrom CC Approval!

QuakerOatmeal — Sat, 19 May 2018 14:15:32 GMT

Some people online shop while drunk, MFers cold app while drunk LOL

Re: Nordstrom CC Approval!

Anonymous — Mon, 19 Nov 2018 12:41:13 GMT

Started 6 months ago with a 300 dollar limit didn’t use the card much. Tried to increase it after about 4 months . Customer service rep said not enough payment history told me to use the card and PIF for the next few months and call back. Just called a few days ago the bump up my limit to 4500 . I asked if I could upgrade to the Visa card the lady was very nice she told me to wait until Nov 19th Nordstrom is doing some big promotion and I may qualify for the Visa with a credit pull . I will keep you posted going to call in today.

Re: Nordstrom CC Approval!

jonnyc — Mon, 19 Nov 2018 17:00:13 GMT

Please let me know how that goes! I was approved this month w/ a $300 limit and would like to eventually see it raise and convert.

Re: Nordstrom CC Approval!

Anonymous — Fri, 01 Mar 2019 12:21:12 GMT

Update : Called in two weeks ago ask if my store card what qualifies for another increase again nice lady let see how does 8k sound I said it sounds good. So said will let me see I read on here that your store card needs to be 5k to be considered for a visa . So I decided to pull the trigger two days later I went into the store Customerservice dept. ask the lady at the counter could I upgrade my card . She called in the rep said I would have to do a application I said ok . Did the app about 10 mins late got a call on my cell it’s was Nord. Rep asking me was I applying I said yes. She ask if I was approved would I like to keep my retail card I said yes and wanted 500 store 7500 on the visa. She said ok came back and said your approved I couldn’t stop smiling . My credit it’s great like 630 Experian. But I keep my balance low and pay more than the min. I love Nordstrom will do the same with the visa keep my balance low Probably PIF every month. Going to wait 4 months and try to get my card to 15k . Hope this helps only had my card since last May .

Re: Nordstrom CC Approval!

PRose123 — Fri, 31 May 2019 03:15:53 GMT

Congrats on your approvals and split!! About to say i want $1 on store and $19,999. on my Nordstrom Visa‼️ Currently (as of yesterday) $10k/$10K.