topic Dillard's Too Many Inquiries in Last 6Months in Credit Card Applications

Dillard's Too Many Inquiries in Last 6Months

Thisisit4u — Tue, 27 Oct 2015 11:39:50 GMT

Came out of gardening to get a Dillard's card for the holidays. Transunion pulled, have 10 inquiries. Score 661. I will be shopping at Macy's,Kohl, Belk, Victoria Secrets and Bath Body Works for the holidays! There loss, Wells Fargo.

Re: Dillard's Too Many Inquiries in Last 6Months

Anonymous — Wed, 28 Oct 2015 16:24:13 GMT

@Thisisit4u wrote:
Came out of gardening to get a Dillard's card for the holidays. Transunion pulled, have 10 inquiries. Score 661. I will be shopping at Macy's,Kohl, Belk, Victoria Secrets and Bath Body Works for the holidays! There loss, Wells Fargo.

Sorry about that but I'm glad to know they worry about inquires for the last 6 months. I have a Dillards by me and I was wondering if I should apply for their card.

Re: Dillard's Too Many Inquiries in Last 6Months

Anonymous — Wed, 28 Oct 2015 23:25:22 GMT

I first apped with them in April on line. Tried to recon no success said I had to many newly opened accounts, utilization too high, and a collection (a $200 medical lab bill from 4/2013).TU score around 660.Wells very hard line. Not flexible for recons. Told them I have a corporate and personal Wells account opened for some years. Said banking relationship was meaningless.

Went in store in June, utilization around 15%, TU score 692, clerk persuaded me to apply, and bam, approved for $1600. Only had about 4-5 TU inquiries because my medical collection is ONLY on my TU, and I always focused on accounts not using TU.

It may be because your score was borderline. If you were over 680 may have gone through. Did you apply in store with a purchase?

Re: Dillard's Too Many Inquiries in Last 6Months

Anonymous — Thu, 29 Oct 2015 01:43:04 GMT

I was approved for a Dillard's Amex early October on line. I was approved for 2K. They did pull TU and at the time my score was 703. I have 9 inquiries with TU and over 24 new accounts for the last 6 month. While I knew my score was ok, I wasn't sure if Wells Fargo felt comfortable with all my activity. Btw, my utilization was 6% at that time. Hopefully that gives you some data point. Your score might have been borderline and they just a bunch of other things to justify their decision. I've had that happen many times. Good Luck!

Re: Dillard's Too Many Inquiries in Last 6Months

Ron1 — Thu, 29 Oct 2015 01:51:33 GMT

Sorry to hear!! I got it when they were Synchrony. I only used my Dillard's Amex once at Dillard's. Their stuff is very expensive. They don't have any discount coupons like Kohls and Belk. You don't miss anything.

Ron.

Re: Dillard's Too Many Inquiries in Last 6Months

Thisisit4u — Fri, 30 Oct 2015 02:58:17 GMT

Yes, I applied in store. Spoke with credit and said too many inquiries in last 6 months and I will be receiving a letter. I shop there a lot, but I agree Macy's have more sales and Macy's gave me a 800 SL. Dillard's loss, Macy's gain.