topic Re: Nordstrom in Credit Cards

Nordstrom

Niki9 — Wed, 07 Nov 2007 03:17:14 GMT

Anybody know how easy or difficult it is to get a Nordstrom card?

There is not a lot of info on who gave me credit.

Re: Nordstrom

Creditaddict — Wed, 07 Nov 2007 03:21:35 GMT

they tend to be pretty laid back... not to sub prime level... but pretty laid back.... and I suggest if you get a decline to call and talk to a rep about looking into it for you... they are very hands on vs computer.

but my friend in low 600's with 2 year old bk got declined... hope that helps

also once approved... you are golden then for easy cli and lower interest rate tiers!!

Message Edited by Creditaddict on 11-06-2007 07:21 PM

Re: Nordstrom

orl2185 — Wed, 07 Nov 2007 03:38:58 GMT

Niki9 wrote:
Anybody know how easy or difficult it is to get a Nordstrom card?

There is not a lot of info on who gave me credit.

Start off with standard store card like I did, upgraded to plat visa.. very tough on recent inqs. not starter card either way. Make sure no recent baddies or AA on cr.. need scores of at least 670 or so for visa

Re: Nordstrom

Creditaddict — Wed, 07 Nov 2007 03:40:37 GMT

def agree with that

Re: Nordstrom

Niki9 — Sat, 24 Nov 2007 03:26:54 GMT

I applied online and got a message saying that they were reviewing

10 days later got a letter stating that they could not verify my info

I called and the csr put me on hold and told me that my address was listed as drive and not way and he guessed that that was what was holding the computer from verifing.

So .....

I was Approved for a store card with $1000 limit!!

Re: Nordstrom

Anonymous — Sat, 24 Nov 2007 03:30:15 GMT

nice starting limit for a store card.

Re: Nordstrom

Niki9 — Sat, 24 Nov 2007 03:46:46 GMT

I Know ...

and to think that I almost let that go when I got the letter in the mail saying they could not verify info.

and the CSR said that my credit looked very nice : I have not heard that in a long time!

Re: Nordstrom

Red1Blue — Thu, 06 Dec 2007 19:48:21 GMT

If we get their regular card will they upgrade to Visa? If they do can we keep the same card or will it be a different card number?

Re: Nordstrom

Creditaddict — Thu, 06 Dec 2007 19:50:45 GMT

you can probably upgrade in as little as 3 months if you make some big purchases and carry small balance... probably new number for a visa and you can get cli and lower apr easy once you establish that relationship

Re: Nordstrom

Red1Blue — Thu, 06 Dec 2007 19:56:04 GMT

If we get a new number that means two accounts right? I think it is bad for fico scoring as it is treated as new account and dilutes the average age of score. Am I correct in my assumption? I dont want my scores to drop, unless nordstorm removes the old account and place the new account in place of the old account with the same age of the account. Did any got their account upgraded with Nordstorm?

Re: Nordstrom

Creditaddict — Thu, 06 Dec 2007 19:59:53 GMT

I upgraded and it closed out the store card... sometimes they will leave both open but i think for the most part they close that account out and open the visa... but i think it reports the visa as open when your store card was open.

But the way I look at it, upgrading to visa also usually means more CL so any score drop you would get from adding another account would be quickly offset by the new higher cl

Re: Nordstrom

Red1Blue — Thu, 06 Dec 2007 20:02:10 GMT

Do you know which CRA they usually pull from?

Re: Nordstrom

Creditaddict — Thu, 06 Dec 2007 20:09:20 GMT

EX i think always... but like another poster stated... they are hands on bank... once you have the account you can call in and talk to them about higher cl, lower interest rates if your not on tier 1 and visa and even signature... they do all the reviews manually and always try to work with you... and you don't need 680 scores either... or atleast not once you have the account and show good payment... they kept upping my cl and i was in the low 600's but always paid and used a ton. I miss them

Message Edited by Creditaddict on 12-06-2007 12:09 PM

Re: Nordstrom

Anonymous — Fri, 07 Dec 2007 18:10:47 GMT

I applied for a Nordstrom store card on 12/16/06 (hard inquiry from EQ on this date) before I knew what my FICO scores were all about and obviously was denied.

My scores were probably around 580 at the time but my EQ score is now 666.

Do you think I could call Nordstrom CC division and see if they can reconsider me given my new score without a hard inquiry?

Re: Nordstrom

Creditaddict — Fri, 07 Dec 2007 18:13:22 GMT

they will have to hard you again to get the updated score... but probably way worth it to get in with them!

Re: Nordstrom

Anonymous — Fri, 07 Dec 2007 18:15:40 GMT

busy they will definitely have to do a hard. I think it is too late to consider a recon because it has been a year. They prob do not have your app on file anymore, most keep the app's a couple months tops.

Re: Nordstrom

Anonymous — Fri, 07 Dec 2007 18:16:57 GMT

busywoman wrote:
I applied for a Nordstrom store card on 12/16/06 (hard inquiry from EQ on this date) before I knew what my FICO scores were all about and obviously was denied.

My scores were probably around 580 at the time but my EQ score is now 666.

Do you think I could call Nordstrom CC division and see if they can reconsider me given my new score without a hard inquiry?

I have no experience with Nordstrom, but I really doubt that any creditor would be willing recon with no hard after 12 months have passed.

Congrats on your improvement, though!

Re: Nordstrom

Creditaddict — Fri, 07 Dec 2007 18:44:17 GMT

Oh ya I missed the part that it had been 12 months... you can't even call for reconsideration... you just need to apply again. Most banks keep applications on file 30-60 days for recon.

Re: Nordstrom

Anonymous — Fri, 07 Dec 2007 18:46:05 GMT

Thanks - I must have been in my dream world again.

Re: Nordstrom

Anonymous — Fri, 07 Dec 2007 18:49:19 GMT

Hi Niki,

If you don't mind me asking what was your score when approved?