topic Re: Boo, Hiss To Nordstrom! in Credit Cards

Boo, Hiss To Nordstrom!

Anonymous — Tue, 09 Oct 2007 16:12:47 GMT

Some of you remember that last month I said I wanted the Nordstrom Platinum Visa since I LOVE that store. So, last week I go online and apply. They don't give instant approvals. The app goes to the local H &R office here in Southern Cal.

Anyway, Friday I get a DENIED letter because, I had quote: "too many inquiries within the last six months" on my credit reports. Furious, I called a customer rep and told him how could they deny someone with a credit score of 760 (they use Experian), no late payments, blah, blah. I was told if someone has too many inquiries, they think there may be some fraud going on! Uh? Never, ever have I heard that one before!

To add insult to injury, they asked a credit supervisor and she had the audacity to offer me a card with a (drumroll please...), $500.00 limit!!! I have great credit and to think they'd insult me to offer such a low amount like I was a subprime customer really pissed me off! I mailed a letter to their credit department Saturday and vowed to NEVER spend another nickel in their store!

The bad part is there's another inquiry on my reports and I don't have the friggin' card. Guess I should have stopped while I was ahead and stayed in the Sleigh Center!

Re: Boo, Hiss To Nordstrom!

Anonymous — Tue, 09 Oct 2007 16:45:55 GMT

I know this is not the answer you are looking for but I have too sev. CC with limits in the 1000's and yet a store only wanted to give me 300- I asked them why they say they do all their cust. this way and want to see a charge/vs. payment history w/ them and then in four mos could ask them to do a big increase.

Again, I know this is not what you want to hear. But just the fact that it has a "store" attached to the reg. Visa I believe IMHO changes the rules when it comes to apping.

Again,

JMHO.

Re: Boo, Hiss To Nordstrom!

Anonymous — Tue, 09 Oct 2007 17:30:24 GMT

Oh- one final thing- I love Nieman Marcus and Macy's but where I live we don't have them- and the closest I can get to one is when I visit Mom in Chi- town. I like Nieman Marcus better. But anyway point of the story is that Nieman Marcus will NOT do a CLI cuz I haven't charged enough to establish good payment hx-

But here is problem- I only have a frickin 300 CL w/ them- so how can I charge any more w/ them and not go over 10 util? Duh!!!!

And w/ Macy's- their Visa is 100 percent based on how much you spend- they say it right on their website- so I will never be able to get their Visa I suppose- cuz there is no way I am going to max out the measly 500 limit they give me....

so bottom line- will prob. never see CLI's w/ them unless they just happen to give me one over the years...

tear in my eye- sigh-

Re: Boo, Hiss To Nordstrom!

Anonymous — Tue, 09 Oct 2007 17:32:06 GMT

netpanther, that's exactly my story as well.

Applied for and got a J.C.Penny cc in Oct.2006, with $300 cl(got it for Christmas season). Used it 2 times, pif immediately, and in December, got the cl to 1,000 and changed status to gold card. I immediately rushed out and put $700 on it(Christmas was nearing after all).

I dont use it very much now, maybe every other month, but X-mas shopping is upon us again, so I'll be using it a LOT!

Re: Boo, Hiss To Nordstrom!

Anonymous — Tue, 09 Oct 2007 17:36:35 GMT

Sylviatob wrote:
netpanther, that's exactly my story as well.

Applied for and got a J.C.Penny cc in Oct.2006, with $300 cl(got it for Christmas season). Used it 2 times, pif immediately, and in December, got the cl to 1,000 and changed status to gold card. I immediately rushed out and put $700 on it(Christmas was nearing after all).

I dont use it very much now, maybe every other month, but X-mas shopping is upon us again, so I'll be using it a LOT!

So JC Penny's is doing the same as well. The level card you get is directly based on your spending. Good info to know- and yet sad to hear at same time as we all know most of us like to PIF definintly on store cards so we never have to pay those outrageous percentage fees.

Re: Boo, Hiss To Nordstrom!

Tuscani — Tue, 09 Oct 2007 17:42:17 GMT

Try PFB. Nordstrom execs will reply.

Re: Boo, Hiss To Nordstrom!

Anonymous — Tue, 09 Oct 2007 17:43:23 GMT

Can you link thread to explain how to do this?

Re: Boo, Hiss To Nordstrom!

Anonymous — Tue, 09 Oct 2007 18:40:26 GMT

netpanther, maybe you're right - didn't think of the difference between store cards. I haven't applied for a store card in so long. You guys always have a different perspective on things. Thanks!

Well, maybe I should have kept the 500 dollar card because they said in Dec they'd up it to 3k IF I made all my payments on time. But, keep my bed open at the Sleigh Center!

Re: Boo, Hiss To Nordstrom!

orl2185 — Wed, 10 Oct 2007 00:45:50 GMT

So to hear that about NordstromBank. I on the other hand love this bank. Been with them since 9-04 when I got store card with 1000 CL. Did my BK DC on 09/06, they left my account opened, gave me CLIs 2000 on 1-07, went to 4700 on 5-07 recently was upgraded to visa plat with 6000 CL GREAT!!!

Send me offer to upgrade to signature series, but not sure if I want to upgrade...

Re: Boo, Hiss To Nordstrom!

Anonymous — Wed, 10 Oct 2007 07:41:14 GMT

MsQueenB wrote:
netpanther, maybe you're right - didn't think of the difference between store cards. I haven't applied for a store card in so long. You guys always have a different perspective on things. Thanks!

Well, maybe I should have kept the 500 dollar card because they said in Dec they'd up it to 3k IF I made all my payments on time. But, keep my bed open at the Sleigh Center!

So Queen B based on last poster's advice maybe you should get the card w/ teh 500 limit IF you plan on charging that much and PIF every mo...

Re: Boo, Hiss To Nordstrom!

Anonymous — Wed, 10 Oct 2007 22:27:09 GMT

Are you positive they pulled Experian for you? Nordstrom usually pulls Equifax not Experian.

If you made that determination using whogavemecredit, that site is horribly outdated.

Nordstrom was my last card I got and likely will be my last for until Jan 2009. 28 New accounts in the last 12 months and Nordstrom was the final one, so it's not new accounts they hate, it's the inquiries. Odd

Message Edited by db23 on 10-10-2007 06:27 PM