topic Re: Nordstroms Card in Credit Cards

Nordstroms Card

Anonymous — Wed, 29 Oct 2008 19:50:57 GMT

I recently applied for a Nordstroms Visa, and I received a Nordstroms Store card instead. They gave me a 2000 limit which I was happy with. My question is, Has this happened to other people. Do they start you out at the store card and then work your way up to the visa card.

thank you

Re: Nordstroms Card

Creditaddict — Wed, 29 Oct 2008 21:02:06 GMT

give it 6 months, maybe even sooner and call and ask for Visa.

also ask for tier 1 APR if your not at it.

They are GREAT bank and love to give cli and apr reductions.

Re: Nordstroms Card

manyquestions — Wed, 29 Oct 2008 23:53:00 GMT

Yeah, I know someone who called after 4 months and got the conversion to Visa. I think they ended up with tier II or III interest, but still, one step at a time. I think the person used it every month at the store and paid it in full every month.

Re: Nordstroms Card

Red1Blue — Thu, 30 Oct 2008 02:11:17 GMT

Do they pull hard inq again if we ask for the update from store card to visa card? If they were to pull CR again, I would rather not ask them for the upgrade.

Re: Nordstroms Card

Anonymous — Thu, 30 Oct 2008 07:39:38 GMT

Hi. I started out at 500 last June now up to 9K with Visa. Six months after I got the card I called for an increase. They increased my limit to 6K and upgraded to Visa. Four months after that increased to 9K. Your card will grow with you.

Re: Nordstroms Card

afijunkie — Thu, 30 Oct 2008 08:51:08 GMT

Actually I am curious about this to. I got store card with a 1k limit, ive spent over 3k in 4 months, i wonder when i could ask for a conversion or at least a CLI

Re: Nordstroms Card

Anonymous — Thu, 30 Oct 2008 09:04:34 GMT

@afijunkie wrote:
Actually I am curious about this to. I got store card with a 1k limit, ive spent over 3k in 4 months, i wonder when i could ask for a conversion or at least a CLI

You are spending 3K at Nordstrom's in a 4 month period? Dang. Buy ME a shirt.

Re: Nordstroms Card

manyquestions — Thu, 30 Oct 2008 10:43:10 GMT

@afijunkie wrote:
Actually I am curious about this to. I got store card with a 1k limit, ive spent over 3k in 4 months, i wonder when i could ask for a conversion or at least a CLI

I'd be on the phone to them now. Tell them you love their store, the card and the rewards, and have spent over 3k in 4 months and you think the Visa card would suit your needs better. "Would it be possible to upgrade my card to the Visa with a higher limit?" Just ask them for what you want, if they say that is not possible at this time, ask them for when it would be possible. The worst that can happen is they say "not at this time, call back in a couple months". Good luck.

Re: Nordstroms Card

Creditaddict — Thu, 30 Oct 2008 15:56:11 GMT

you could ask them, I think sometimes they do pull credit again and sometimes they don't.

I can only remember getting my credit pulled once when I was trying to purchase above my CL and they gave me cli while I was shopping in store.

I started with 3k store card, removed the joint account and kept it soley on my own, increased to 5k with visa, then up to 6k and then up to 8k. all with tier 1 apr.

Keep in mind this was back when all I did was shop at Nordstrom and almost never paid the card off, I had it maxed plus some and took cash advances on it monthly (nordstrom does not charge anything to take cash advances or charge higher apr!) The only thing I would say I did right with the account is pay it every month, and they still gave me cli and treated me great!

Re: Nordstroms Card

Scuba — Wed, 26 Nov 2008 17:15:42 GMT

I plan on applying the day after Thanksgiving. Do you know what CB they pull from?

Thanks

Re: Nordstroms Card

GST2008 — Fri, 28 Nov 2008 01:42:50 GMT

I just got my Nordstrom's card about two weeks ago. They pulled all three of my CRs.

Re: Nordstroms Card

Anonymous — Fri, 28 Nov 2008 05:45:19 GMT

Keep in mind this was back when all I did was shop at Nordstrom and almost never paid the card off, I had it maxed plus some and took cash advances on it monthly (nordstrom does not charge anything to take cash advances or charge higher apr!)

Good to know! So, Nordstrom doesn't even charge the 3 or 4% cash advance fee that banks typically charge ?

Message Edited by MojaveMoon on 11-27-2008 09:45 PM

Re: Nordstroms Card

Zar — Fri, 28 Nov 2008 10:27:48 GMT

Hello GST2008,

What kind of Nordstrom card did you apply for? Retail card or Visa card? I'm interested in the retail card but if the pull the three CRAs then I ill not do it.

Thanks!

Zar

Re: Nordstroms Card

Scuba — Sat, 29 Nov 2008 05:13:40 GMT

I applied today and was declined! They pulled only EQ.

Bummer.

Re: Nordstroms Card

spiritcraft1 — Sat, 29 Nov 2008 16:18:15 GMT

I was declined as well... EQ 729 FICO, 3 INQ's and new accounts... denied for INQ's All 3 in last month...

congrats OP

Message Edited by spiritcraft1 on 11-29-2008 10:18 AM

Re: Nordstroms Card

manyquestions — Sat, 29 Nov 2008 21:59:32 GMT

Like the other banks, I think Nordstrom has really tightened up on giving out credit. They also raised everybody's APR across the board.

Re: Nordstroms Card

GST2008 — Sun, 30 Nov 2008 01:56:37 GMT

When I originally applied, it was for the Visa, but they consider you for the store card as well if you don't make the requirements for the Visa. I applied over the phone b/c I wanted to make sure they would give me the card and that I could talk to somebody if there was a problem. The gentile man was very helpful and informed me that although I was just short of the requirements for the visa, I would receive the store card. He also informed me that I would be more than eligible for the visa in about three months as long as I used the card and paid regularly. Initially only EX and TU showed up as being pulled, but then a day later, I get a message saying that EQ was also pulled, but I got my card, so it was worth it =) I'm good with new accounts for at least six more months and could afford the inquiries.

Re: Nordstroms Card

Zar — Sun, 30 Nov 2008 03:26:01 GMT

GST2008,

Thanks for the information. I would like to apply only for the retail card... do you know if they hard pull all three CRAs for this card or they pulled your three credit reports because you applied for the Visa card, which I think has higher requirements.

Zar

Re: Nordstroms Card

GST2008 — Sun, 30 Nov 2008 16:50:41 GMT

I think they may have pulled all three b/c I asked for the visa and the CRS was trying to get the score I needed. My guess was that you need a 700 for the Visa so he was trying all three to see if I had it. He told me I was close lol and my EQ is 695. I can't say for sure though.

Re: Nordstroms Card

Zar — Sun, 21 Dec 2008 18:40:38 GMT

Thanks GST2008!

I applied online for the retail card (the one I wanted) yesterday. I got the 7-10 day message in the mail. I called right after the provided phone number to ask about my application status, and they confirmed I had been approved! EQ (after they pulled it) is 724 so probably it was over 730 at the application time.

Zar

Message Edited by Zar on 12-21-2008 10:40 AM