topic Re: BLUE NILE CREDIT CARD in Credit Card Applications

BLUE NILE CREDIT CARD

Anonymous — Mon, 15 Jun 2015 14:13:30 GMT

CAN someone please help me? I have a 675 Experian credit score and I want to apply for a Blue Nile credit card in need about 7,000 dollars of credit.. No bankruptcies no late payments but just one credit card line because I pay everything in cash. I have a mortgage on my credit as well with perfect payments. I am trying to get up to 700 and then apply thinking my chances will be better.

questions, what has your experience been when applying and what was your credit score? And I keep seeing people say to hit the credit line increase button and then they get this sudden high limit. Can you explain that and I am sorry for my ignorance. Thank you so much

Re: BLUE NILE CREDIT CARD

Creditaddict — Mon, 15 Jun 2015 16:33:21 GMT

Comenity is a crazy odd bird... They are known on this card to give instant CLI after approval.

You can set up an online account without the account number with comenity.

comenity.net/bluenile most likely for this card.... it's comenity.net/ whatever the card is.

set up online account and click you don't have account number.

you will see the button for credit line increase once logged in and you can keep hitting it over and over until it gives you the 7-10 message.

Re: BLUE NILE CREDIT CARD

Anonymous — Mon, 15 Jun 2015 18:04:12 GMT

Ty! Very much

Re: BLUE NILE CREDIT CARD

ojefferyo — Mon, 15 Jun 2015 18:14:05 GMT

@Anonymous wrote:
CAN someone please help me? I have a 675 Experian credit score and I want to apply for a Blue Nile credit card in need about 7,000 dollars of credit.. No bankruptcies no late payments but just one credit card line because I pay everything in cash. I have a mortgage on my credit as well with perfect payments. I am trying to get up to 700 and then apply thinking my chances will be better.

questions, what has your experience been when applying and what was your credit score? And I keep seeing people say to hit the credit line increase button and then they get this sudden high limit. Can you explain that and I am sorry for my ignorance. Thank you so much

I recently applied for the card, got approved for $27k. Setup online account and tried for CLI but was denied.Then I used the phone system for an increase and pushed it up to $37.5k where it stopped. If i rememer correctly my EQ was in the upper 700's at the time of app.

Re: BLUE NILE CREDIT CARD

SecretAzure — Mon, 15 Jun 2015 18:46:47 GMT

@ojefferyo wrote:
@Anonymous wrote:
CAN someone please help me? I have a 675 Experian credit score and I want to apply for a Blue Nile credit card in need about 7,000 dollars of credit.. No bankruptcies no late payments but just one credit card line because I pay everything in cash. I have a mortgage on my credit as well with perfect payments. I am trying to get up to 700 and then apply thinking my chances will be better.

questions, what has your experience been when applying and what was your credit score? And I keep seeing people say to hit the credit line increase button and then they get this sudden high limit. Can you explain that and I am sorry for my ignorance. Thank you so much
I recently applied for the card, got approved for $27k. Setup online account and tried for CLI but was denied.Then I used the phone system for an increase and pushed it up to $37.5k where it stopped. If i rememer correctly my EQ was in the upper 700's at the time of app.

Woah, what is your income that you're getting such big CL's. (Not asking for actual income but a ballpark figure so we know more-or-less what is required for such high CLs)

Re: BLUE NILE CREDIT CARD

ojefferyo — Tue, 14 Jul 2015 04:23:24 GMT

I own a business and I'm on the payroll and pay myself.

Re: BLUE NILE CREDIT CARD

Anonymous — Mon, 15 Jun 2015 20:08:13 GMT

definitely wish I was in your boat. but on credit card applications anybody can put anything can't they? I make about 85,000. I'm just looking to get 7000

Re: BLUE NILE CREDIT CARD

ojefferyo — Mon, 15 Jun 2015 20:59:25 GMT

Of couse anyone can put anything, it's up to you if you feel that it's worth it to you to lie about the income. What's your EQ score? That's what they pull.

Re: BLUE NILE CREDIT CARD

Anonymous — Mon, 15 Jun 2015 21:11:51 GMT

671. Should I wait?

Re: BLUE NILE CREDIT CARD

ojefferyo — Mon, 15 Jun 2015 23:32:12 GMT

If you have no baddies you could probably get it, as far as how much they would give you is a different question. It's issued by comenity so it could go either way.

Re: BLUE NILE CREDIT CARD

Anonymous — Tue, 16 Jun 2015 00:17:44 GMT

I could try to get the score to 700 I'd have a better shot. I have no late payments bankruptcy or delinquencies of any kind.

Re: BLUE NILE CREDIT CARD

Santi78342 — Tue, 16 Jun 2015 04:37:36 GMT

Fastest way to boost your score is utilization! What's that looking like for you? More than 1 card with a balance?

Re: BLUE NILE CREDIT CARD

Anonymous — Tue, 16 Jun 2015 13:41:29 GMT

besides a mortgage I only have one credit card with a $400 limit. I pay everything cash

Re: BLUE NILE CREDIT CARD

ojefferyo — Tue, 16 Jun 2015 17:23:38 GMT

@Anonymous wrote:
besides a mortgage I only have one credit card with a $400 limit. I pay everything cash

With just 1 card at $400 it may swing in a not so favorable way, at least the SL they give you anyways.

Re: BLUE NILE CREDIT CARD

Anonymous — Wed, 17 Jun 2015 02:14:17 GMT

Yeah, that is the prefect way to handle your finances but a flawed way to handle and build tons of credit. Run not walk over to the capital one preqaul site and try to get a cash back 1.5% card. Put your monthly expenses on that thing and pay in full every month. Multiple payments a month especially if they stick you with a sub 1k limit. youll make money just by using the card. You really need more than one solid credit card for other credit cards to consider you and hand over worthwhile offers and spend limits.

Capitalone, chase freedom, and discover are all giving out huge incentives, try for at least one of these if you dont have more than 1 or 2 recent inquries.

Re: BLUE NILE CREDIT CARD

Unverzagt — Mon, 13 Jul 2015 19:25:19 GMT

I just cold apped for the card on Friday, instant approval of $1500

Set up online account immediately, said CLI wasn't avail via online. So I waited today and called on the phone to automated system. In $500 increments. ...boom all the way to $11,500

Fresh bk discharged in March 2015
Only $38000 annual income
Equifax score per myfico 615

Re: BLUE NILE CREDIT CARD

Unverzagt — Mon, 13 Jul 2015 19:27:37 GMT

Re: BLUE NILE CREDIT CARD

Creditaddict — Mon, 13 Jul 2015 22:58:29 GMT

@Anonymous wrote:
besides a mortgage I only have one credit card with a $400 limit. I pay everything cash

You NEED more credit!

Open 2 capital ones

apply to discover

check pre-qual for amex, chase, and citi and apply if you have an offer!

Re: BLUE NILE CREDIT CARD

Anonymous — Mon, 27 Jun 2016 21:36:12 GMT

When y'all got approved, did y'all have to wait for the actual CC to come to setup your account? Because, it only identifies the last four digits of the CC #. Just wondering?
Thanks, Dexter

Re: BLUE NILE CREDIT CARD

RonM21 — Tue, 28 Jun 2016 21:03:53 GMT

OP, as others mentioned, I think you may need to build more, to increase the chances of getting the desired limit. Because you haven't established much with CC's, lenders are more likely to take a cautious approach with you right now.