topic Re: Should I App Nordstrom? in Credit Cards

Should I App Nordstrom?

Anonymous — Thu, 12 Feb 2009 15:51:35 GMT

Hello,

So I just discovered on here that the Nordstrom card is highly regarded, and I'm wondering if I should app.?

My scores are (just pulled now): TU: 731 EQ:788 EX: 699

I just recently applied and was approved for an HSBC Visa Rewards card, but isn't showing as a new acct. yet. I had no idea my scores were this good, so I would have applied for something better if I knew.

For Inq's, I have: EQ: 1 - 08/2007, and EX: 1 - 02/06/2009 (HSCB)

For new accts., I have 1, Cap1 MC opened July, 2008 perfect payment history.

Should I apply for the Nordstrom Visa, or any other recommendations?

Thanks!

Re: Should I App Nordstrom?

Red1Blue — Thu, 12 Feb 2009 15:53:54 GMT

With your EQ scores you would have very high chances of approval. Normally they dont like too many inq's. If you dont have more than 3 - 4 Inq's on EQ your chances of getting the card is very high.

I have the card and I love it. It is one of the best cards you can have. It grows with you and excellent support and great interest rates.

I highly recommend you apply for it.

Re: Should I App Nordstrom?

oracles — Thu, 12 Feb 2009 15:57:07 GMT

I agree with concord.

They normally pull EQ and you have a very good score. Also you dont have many inqs.

They dont like to see more than 2 inqs.

This is a very good company with great customer service and will grow with you.

Definitely apply

Hope this helps and keep us updated

Re: Should I App Nordstrom?

Anonymous — Thu, 12 Feb 2009 16:06:24 GMT

Thanks all, I think I'll give it a shot!

Should I apply for the Platinum Visa or Signature Visa?

Re: Should I App Nordstrom?

oracles — Thu, 12 Feb 2009 16:12:32 GMT

Signature is their top tier card but i would go with the platinum due to the fact it will report a credit limit.

The signature card will not. Therefore it will not help in util%.

Re: Should I App Nordstrom?

Anonymous — Thu, 12 Feb 2009 16:52:39 GMT

OK, I just submitted the app. and they said 7 - 10 days.

Should I call them and ask about it?

Re: Should I App Nordstrom?

Red1Blue — Thu, 12 Feb 2009 16:57:19 GMT

@Anonymous wrote:
OK, I just submitted the app. and they said 7 - 10 days.

Should I call them and ask about it?

Call them today and talk to them you'll get an answer. They are pretty good. I am so anxious to find out the outcome.

Re: Should I App Nordstrom?

Anonymous — Thu, 12 Feb 2009 17:04:34 GMT

Just called and they told me I had to wait the 7 - 10 days! They said that if I had applied in the store, I would have known right away.

Is there a backdoor #, or a different # I should call?

Re: Should I App Nordstrom?

Zar — Thu, 12 Feb 2009 17:12:28 GMT

Hello Zro30,

If I were you, I'd call them right now. For sure a nice representative will tell you the result of your application after some minutes. With your scores and only 1 inquiry on EQ you should be able to get it. I got the retail card I wanted in December and also I got the same 7-10 days message... it's the standard response for online applications. I called right after I got such message to the provided number and gave them my application ID... then they told me I had been approved. Definitely, if they tell you, you have to wait, call again.

Zar

Message Edited by Zar on 02-12-2009 09:12 AM

Re: Should I App Nordstrom?

Anonymous — Thu, 12 Feb 2009 17:24:04 GMT

Well Darn! They didn't approve me for the Visa, but was approved for the retail card... I guess some negative credit history (CO from 2003).

Anyway, hopefully I'll be able to convert that to a Visa in a few months with a positive payment history!

Thanks all for your help

Re: Should I App Nordstrom?

oracles — Thu, 12 Feb 2009 17:26:46 GMT

Congrat zro

In 6 months they will upgrade you to a visa with good payment history on the card.

Very nice and good job

Re: Should I App Nordstrom?

Red1Blue — Thu, 12 Feb 2009 17:29:32 GMT

6 Months they will upgrade you to Visa and also give you Credit Limit Increase. It might not be just your CR info, look at the current economic trends. They are probably playing safe by starting with a store card and then upgrade you to Visa. So many of us in this forum started out with store card and now we have Visa card with generous CL's. Congrats on your approval. Let us go shopping.....

Re: Should I App Nordstrom?

Anonymous — Thu, 12 Feb 2009 17:38:43 GMT

Whoo-Hoo! Thanks for making me feel better about it. I was feeling kind of bummed.

Anyway, thanks again for everything!!