topic Re: To Saks Apply or not in Credit Card Applications

To Saks Apply or not

Creditaddict — Tue, 07 Apr 2015 16:34:38 GMT

I have been denied 2 despite being approved Neiman Marcus in the past!~

Re: To Saks Apply or not

IaBoy62 — Tue, 07 Apr 2015 17:24:17 GMT

Do it.....I am pulling for you to get 100!

Re: To Saks Apply or not

Anonymous — Tue, 07 Apr 2015 17:32:43 GMT

You're probably app'ing at this moment aren't you? Do it! What kind of addict would you be if you actually were to err on the side of caution? 😉

Re: To Saks Apply or not

Creditaddict — Tue, 07 Apr 2015 17:35:31 GMT

@Anonymous wrote:
You're probably app'ing at this moment aren't you? Do it! What kind of addict would you be if you actually were to err on the side of caution? 😉

I don't really shop there much and would want the MC.

I have an AU saks card already if I really wanted to shop there.

But being denied for it just always puts in on my list to get!

Re: To Saks Apply or not

Anonymous — Tue, 07 Apr 2015 17:38:56 GMT

@Creditaddict wrote:

But being denied for it just always puts in on my list to get!

Then you have nothing to lose. Approval means you finally got it. Denial means the chase continues.... kind of reminds me of college and that one that got away!

Re: To Saks Apply or not - UPDATE

Creditaddict — Tue, 07 Apr 2015 17:43:47 GMT

Thank you for applying

Unfortunately, Capital One, N.A. is unable to approve your application at this time. You will receive a letter from Capital One, N.A. advising you of the reason(s) within 30 days.

Re: To Saks Apply or not - UPDATE

Anonymous — Tue, 07 Apr 2015 18:41:53 GMT

Just out of curiosity...

How many inq do you have on each report?

Re: To Saks Apply or not - UPDATE

Creditaddict — Tue, 07 Apr 2015 18:50:44 GMT

@Anonymous wrote:
Just out of curiosity...

How many inq do you have on each report?

Experian®

Hard Inquiries:

Equifax®

Hard Inquiries:

Transunion®

Hard Inquiries:

This morning before applying according to USAA Credit Check Monitoring.

Re: To Saks Apply or not - UPDATE

CreditCuriosity — Tue, 07 Apr 2015 19:01:42 GMT

@Creditaddict wrote:
@Anonymous wrote:
Just out of curiosity...

How many inq do you have on each report?
Experian®
Hard Inquiries:
89
Equifax®
Hard Inquiries:
50
Transunion®
Hard Inquiries:
19

This morning before applying according to USAA Credit Check Monitoring.

Not really bad at all on TU I was at 19 TU inquires at one point, now down to 13 and a few more should be falling off shortly. I was getting scared of all my TU inq's. After x amt of inquires you don't even take a score ding anymore do you?

Re: To Saks Apply or not - UPDATE

Creditaddict — Tue, 07 Apr 2015 19:05:32 GMT

@CreditCuriousity wrote:
@Creditaddict wrote:
@Anonymous wrote:
Just out of curiosity...

How many inq do you have on each report?
Experian®
Hard Inquiries:
89
Equifax®
Hard Inquiries:
50
Transunion®
Hard Inquiries:
19

This morning before applying according to USAA Credit Check Monitoring.
Not really bad at all on TU I was at 19 TU inquires at one point, now down to 13 and a few more should be falling off shortly. I was getting scared of all my TU inq's. After x amt of inquires you don't even take a score ding anymore do you?

no score ding... I wouldn't be quite as crazy if my scores was effected by all my inq.

I should actually be loosing anywhere from 5-12 by June/July just for car shopping last year on EX and not sure about TU... I think they are mostly Barclay and Sync!

Re: To Saks Apply or not - UPDATE

CreditCuriosity — Tue, 07 Apr 2015 19:09:20 GMT

@Creditaddict wrote:
@CreditCuriousity wrote:
@Creditaddict wrote:
@Anonymous wrote:
Just out of curiosity...

How many inq do you have on each report?
Experian®
Hard Inquiries:
89
Equifax®
Hard Inquiries:
50
Transunion®
Hard Inquiries:
19

This morning before applying according to USAA Credit Check Monitoring.
Not really bad at all on TU I was at 19 TU inquires at one point, now down to 13 and a few more should be falling off shortly. I was getting scared of all my TU inq's. After x amt of inquires you don't even take a score ding anymore do you?
no score ding... I wouldn't be quite as crazy if my scores was effected by all my inq.

I should actually be loosing anywhere from 5-12 by June/July just for car shopping last year on EX and not sure about TU... I think they are mostly Barclay and Sync!

Ya two new cars in the last two years have probably put about 12 Inquires across all my CB, this included Refi quotes as well... Usually EQ gets the car shopping hit, this last time around Lexus and dealership did two TU pulls one for dealer and one for lexus and of course lexus had to get their EQ pull as well.. Personally after this month I will be down ot 7 EQ HP's 8 EX HP's and 10 TU HP's... Still alot for my weak profile, but better then what it was at!

Re: To Saks Apply or not - UPDATE

IaBoy62 — Tue, 07 Apr 2015 19:20:31 GMT

Sorry you didn't get it this time, but there's always tomorrow!

Re: To Saks Apply or not

dodgerslv — Tue, 07 Apr 2015 19:21:16 GMT

You will eventually get it CA.

Re: To Saks Apply or not

fedxboy — Tue, 07 Apr 2015 19:36:29 GMT

so is this card 1 or 3 pulls? or just like BuyPower and 1 on EQ?

Re: To Saks Apply or not

Creditaddict — Tue, 07 Apr 2015 19:38:06 GMT

@fedxboy wrote:
so is this card 1 or 3 pulls? or just like BuyPower and 1 on EQ?

Re: To Saks Apply or not

Creditaddict — Tue, 07 Apr 2015 21:22:53 GMT

Verified EQ only

Re: To Saks Apply or not

FinStar — Tue, 07 Apr 2015 22:05:10 GMT

@Creditaddict wrote:
@Anonymous wrote:
You're probably app'ing at this moment aren't you? Do it! What kind of addict would you be if you actually were to err on the side of caution? 😉
I don't really shop there much and would want the MC.
I have an AU saks card already if I really wanted to shop there.

But being denied for it just always puts in on my list to get!

If your CRs still have BK, Saks will not approve for either Platinum MC or WEMC. You can still qualify for the standard Saks retail card but to upgrade to either, you will need a much cleaner file.

Re: To Saks Apply or not

fedxboy — Tue, 07 Apr 2015 23:50:58 GMT

So I take it that you can't apply for the Saks MC or WEMC first? You have to start with the store card first and then be upgraded?

I found the MC application and at the top it asks for your store card #

I noticed there was no asterik asking for the store card meaning it was mandatory, so I started to apply leaving that blank but then exited out.

Re: To Saks Apply or not

Creditaddict — Tue, 07 Apr 2015 23:55:38 GMT

In store I believe you can apply directly for mc but online you have to get store first and then mc

Re: To Saks Apply or not

fedxboy — Tue, 07 Apr 2015 23:59:21 GMT

aahh, okay.....thank you.........I shall wait then till i return to Nordstroms, since I want that want too *The visa that is