topic Re: Nordstrom or Dillards? in Credit Cards

Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 02:44:35 GMT

Hello all. I'm considering applying for a card from Nordstrom or Dillards. I've already reviewed the terms for each one. Just wondering which one to go with. Dillards is closer to me, but of course I love Nordstrom too. Anyone have either of these cards? How are they treating you and what are your credit limits? Thanks

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 02:47:07 GMT

I don't have any experience with either of their cards, but in my opinion the stores aren't really comparable. It's like asking if you should get a toyota or a bmw.

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 02:52:01 GMT

IMHO, they are comparable. I'll look for a bargain and if I can get the exact same product elsewhere for less, I'll take it. Soooo, back to my question. Can anyone who DOES have either of these cards please advise? Thanks.

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 02:58:06 GMT

What does your credit profile look like? If you could use them, is there any reason not to try for both? Nordstrom is probably the more difficult to qualify for of the two.

Re: Nordstrom or Dillards?

rbizzle — Wed, 16 Nov 2011 02:57:38 GMT

I've had my nordstrom card for about 6 years now. It was my very first credit card. They started me off with a very low $500 limit on a store card. I now have an $8,000 limit on one of there signature visa's. I must say the customer service is great just like you would expect from them && they are pretty generous with CLI as well everytime i woudl call up and ask they woudl give it to me. Just haven't asked in a while bc i didn't want to get to greedy!

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 03:01:31 GMT

well nordstrom is much higher end and has thier own bank, as well as the mark down outlet nordstrom rack (purchases at either store count for the rewards poins).

dillard's is issued through, yep good old ge. ok issuer, but as said before not known for high opening lines.

the thing that really sets nordstrom apart in my mind is the level of service. if you can afford the prices, nordstroms.

Re: Nordstrom or Dillards?

KIPPIE12 — Wed, 16 Nov 2011 03:06:04 GMT

Definitely Nordstrom over Dillards. Both are good stores, but Nordstrom's has much better customer service. I'm an hour outside Tysons Corner, and have always received top notch customer service when i've shopped there. I've shopped at Dillards many times when i lived in the Carolinas, and they are good also, but not like Nordstroms. If you have a good credit profile, and not many recent inquiries, i would go for the Nordstrom Visa, as it has better terms than the store card. Just my .02

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 03:17:20 GMT

@Anonymous wrote:
IMHO, they are comparable. I'll look for a bargain and if I can get the exact same product elsewhere for less, I'll take it. Soooo, back to my question. Can anyone who DOES have either of these cards please advise? Thanks.

They are comparable like an Audemars Piguet and a Timex are comparable. Both offer the same services, one generally with much higher quality products.

I'd be surprised if anyone has ever found the exact same product at Nordstrom for less than Dillards, unless you're talking aboud Nordstrom Rack. Nordstrom is more selective as far as the CCs go, but Nordstrom does have a debit card; I don't think Dillards has one.

Is Dillard's still doing the AMEX or store-only version? If so, which card are you considering? Either way GEMB doesn't have the same quality of service that Nordstrom bank is known to have. My girlfriend has a Nordstrom card, her first CC, and they gave her a pretty nice limit and customer service has been really helpful.

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 03:16:53 GMT

Thanks to everyone for your responses. MyFICO forums rock!

I'd have to agree. I'm a Nordstrom kind of girl, but know how to shop within my budget. My EQ FICO from this site is 719, but I have about 7 inquiries on my report. Think they'll still approve me? I'd rather go for a card that gives a higher credit limit than the other, of course. Only downside is I have to drive about an hour just to get to a Nordstrom, but it might be worth it.

Thanks all!

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 03:21:01 GMT

Ptr,

I'd probably go for the Nordstrom Visa. I understand it has much better terms than the store card.

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 03:23:28 GMT

let's just put it this way, nordstroms is what american express used to be.

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 03:39:25 GMT

I have a Dillard's card and I love it!!! My limit is $3350. I've had it for a couple of years. They are great with giving credit increases every 4 months on the dot when you pull the love button. And it's a soft pull too!!!

Re: Nordstrom or Dillards?

tntexans72 — Wed, 16 Nov 2011 03:45:41 GMT

I signup for a Dillards Amex about 6 months ago. Only things I have purchased from Dillards are Hugo Boss clothings. That's why I got the card in the 1st place, they had a 10% discount at checkout. They started me off with a low shocking limit of $600, never had a card this low...well, since 15yrs ago...anyhow, they bumped me up to $2500 when I requested a CLI online last week. It was a soft pulled and I am ok with that. Will hit them up for another CLI in 6 months. I read that Dillards Amex is cap out at a CL of $10K. I can take the card to Nordstroms and they accept Amex there........

Re: Nordstrom or Dillards?

Creditaddict — Wed, 16 Nov 2011 03:53:43 GMT

Nordstrom and Dillards not the same store by long shot, you see Dillards in KY where I came from but you don't see Nordstrom!

In addition even if they want to test you out first and give you store card with limit under $1k, give it 4-6 months, do a little shopping and pay it off and request for increase and upgrade to visa... you will get it!!!

I have Dillards Amex currently, CLI have been very small and very slow, interest is pretty terrible but blah rewards were decent when I lived there and could hit up the additional 40% off of 50% kind of thing.

but when I had Nordstrom, went from store of like $1500 to a Visa of 8k and also added a joint Signature the first month they offered that starting at 10k and uped to 12k when I was at the 10k limit and trying to buy at one of their fabulous big spender private parties.... Nothing makes you feel like you are carrying an American Express Black card as the store being closed early and they send paper invitations and have free food and wine, oh and a gift at door.

Anyway that was a better time for many people I guess... I would not be able to shop like that currently

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 04:00:37 GMT

Wow! Hearing that makes me want to apply now! Smile. So that's good to know - apply for a store card first, buy, payoff, wait, and then they'll bump me up to a Visa?

Re: Nordstrom or Dillards?

Creditaddict — Wed, 16 Nov 2011 06:09:49 GMT

@Anonymous wrote:
Wow! Hearing that makes me want to apply now! Smile. So that's good to know - apply for a store card first, buy, payoff, wait, and then they'll bump me up to a Visa?

Oh no... always apply for the higher card, in this case Visa... if you dont get it though don't worry because they will grow fast... they also have 4 tiers of interest rate... don't be afraid to ask for that to be lowered each time you speak to them about CLI and conversion to visa if you do end up in the store.

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 13:16:28 GMT

Thanks. I just applied for the Nordstrom Visa and will post my results when I get them. Say a prayer!

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 14:37:07 GMT

Good luck! You can call in to find out the results rather than wait to hear from them.

Re: Nordstrom or Dillards?

visorboy1974 — Wed, 16 Nov 2011 14:44:15 GMT

@Anonymous wrote:
Thanks. I just applied for the Nordstrom Visa and will post my results when I get them. Say a prayer!

You just need to have the application number and they should tell you the results,

Re: Nordstrom or Dillards?

Anonymous — Wed, 16 Nov 2011 15:33:42 GMT

Well, hey guys - I'm kinda sad. But it'll be ok. I just called to check my app status and was told (the lady was very nice by the way), and she told me I was approved for a retail card. When I asked the limit, she said $500. I'm like - what? I thought my current FICO would at least qualify me for a higher limit. Oh well, she did tell me that I'd probably get an increase in 4-6 months if I pay my bill in full every month. She also said to try asking for an upgrade to the Nordstrom VISA after about 6 months.

Anyone else had this experience? I absolutely love Nordstrom and would love to carry their VISA with a high limit.