topic Re: Nordstom's Visa Signature - Instant Approval in Credit Cards

Nordstom's Visa Signature - Instant Approval

Anonymous — Fri, 14 Sep 2012 23:41:01 GMT

Right now, until Sept 16th Nordstroms's is offering triple points to cardholders. They were also offering a special bonus for a skincare line I use so I decided to take the plunge today and apply for their visa card. Got approved for $5K! Yay! I'm really thrilled because I wanted to get another card with a higher limit before closing my $700 Cap One card that charges me $29/year. I haven't even used the card in a year...

Question. Why do people set out to get so many credit cards? I've noticed on peoples signatures that they have various cards but we all know we don't use all of them. Is there a reason other than helping lower utilization (if you have balance) that one needs so many cards?

Re: Nordstom's Visa Signature - Instant Approval

LS2982 — Fri, 14 Sep 2012 23:52:53 GMT

CONGRATS on your approval!!

IMO people just either want the card for a specific purpose for purchasing or like you said, to lower util.

Re: Nordstom's Visa Signature - Instant Approval

gettnthere — Sat, 15 Sep 2012 00:02:08 GMT

Congrats!

Re: Nordstom's Visa Signature - Instant Approval

maiden_girl — Sat, 15 Sep 2012 00:42:06 GMT

@Anonymous wrote:
Right now, until Sept 16th Nordstroms's is offering triple points to cardholders. They were also offering a special bonus for a skincare line I use so I decided to take the plunge today and apply for their visa card. Got approved for $5K! Yay! I'm really thrilled because I wanted to get another card with a higher limit before closing my $700 Cap One card that charges me $29/year. I haven't even used the card in a year...

Question. Why do people set out to get so many credit cards? I've noticed on peoples signatures that they have various cards but we all know we don't use all of them. Is there a reason other than helping lower utilization (if you have balance) that one needs so many cards?

CONGRATS ON THE CARD...

And to answer your question...I apply for cards to see if I can get them. And of course when it's approved...I'm over the moon. I'm addicted I tell you!! LOL.

Re: Nordstom's Visa Signature - Instant Approval

Anonymous — Sat, 15 Sep 2012 01:20:56 GMT

@Anonymous wrote:

Question. Why do people set out to get so many credit cards? I've noticed on peoples signatures that they have various cards but we all know we don't use all of them. Is there a reason other than helping lower utilization (if you have balance) that one needs so many cards?

Who is We? Other than secured cards for rebuilding, I don't have cards that I don't use or intend to keep. Granted some store cards don't get used often, but that is the nature of their product line.

Re: Nordstom's Visa Signature - Instant Approval

mrsbagalot1222 — Sat, 15 Sep 2012 01:30:09 GMT

congrats this is one of the cards I aspire to, hopefully by the holiday season next year

Re: Nordstom's Visa Signature - Instant Approval

DailyDriver — Sat, 15 Sep 2012 02:25:41 GMT

Congrats!

Right now I have 3 cards:

Citi Forward - use for purchases at Amazon, bookstores, and restaurants (sit down and fast food)....some people do not like Citi Rewards, but I like the ablility to get Best Buy Gift Cards or Student Loan Checks (my student loan provider does not accept credit card payments).

Citi Dividend World Mastercard- When I signed up it had 5% for gas, groceries, and drugstores (now revolving and potentially SD'ing when paid off)

Discover More- revolving 5% (applied for the 18 months 0% balance transfer)

Cards I am still interested in:

Amex BCP - 6 points for groceries would be big (I spend between $300-$400 a month on groceries)

US Bank Cash Plus- 5% on bill pay, to a lesser extent home improvement

Traveling card of some sort (Chase Sapphire Preferred or Amex Starwoods- do not travel as much as I would like to so I would want a flexible card, but would use for my 1% purchases at places like Target and Best Buy where I do not want to sign up for the store card)

The Nordstrom card would be one I would be interested in if I had a store closer to me. The only other stores I would be interested in are REI (none local) and Williams-Sonoma (reward requirements are too high for what I would purchase).

Re: Nordstom's Visa Signature - Instant Approval

maiden_girl — Sat, 15 Sep 2012 02:42:40 GMT

@DailyDriver wrote:
Congrats!

Right now I have 3 cards:

Citi Forward - use for purchases at Amazon, bookstores, and restaurants (sit down and fast food)....some people do not like Citi Rewards, but I like the ablility to get Best Buy Gift Cards or Student Loan Checks (my student loan provider does not accept credit card payments).

Citi Dividend World Mastercard- When I signed up it had 5% for gas, groceries, and drugstores (now revolving and potentially SD'ing when paid off)

Discover More- revolving 5% (applied for the 18 months 0% balance transfer)

Cards I am still interested in:

Amex BCP - 6 points for groceries would be big (I spend between $300-$400 a month on groceries)

US Bank Cash Plus- 5% on bill pay, to a lesser extent home improvement

Traveling card of some sort (Chase Sapphire Preferred or Amex Starwoods- do not travel as much as I would like to so I would want a flexible card, but would use for my 1% purchases at places like Target and Best Buy where I do not want to sign up for the store card)

The Nordstrom card would be one I would be interested in if I had a store closer to me. The only other stores I would be interested in are REI (none local) and Williams-Sonoma (reward requirements are too high for what I would purchase).

Off topic but how is the citi forward card? After going through the motions with citi bank...I still want their damn card! LOL!

Re: Nordstom's Visa Signature - Instant Approval

DailyDriver — Sat, 15 Sep 2012 02:57:25 GMT

@maiden_girl wrote:

Off topic but how is the citi forward card? After going through the motions with citi bank...I still want their damn card! LOL!

I have not had a problem with it. It is my first card, which I started as a student MTVu card and was upgraded. It had an auto CLI when I was using it regularly. The APR is at 16.99% which is not too bad for the points it can accumulate. It does not say Visa Signature, but when Fandango runs a Visa Signature promo for b1g1 free tickets, the Forward card works.

Re: Nordstom's Visa Signature - Instant Approval

Anonymous — Sat, 15 Sep 2012 03:06:45 GMT

Congrats

Re: Nordstom's Visa Signature - Instant Approval

Anonymous — Sat, 15 Sep 2012 03:11:49 GMT

Congrats!! I have 3 primary cards I use: Amex BCE, Chase Freedom, and Discover More. Chase and Discover are used for rotating 5% and Amex for groceries and everything else. It's all about how you use the cards.

Re: Nordstom's Visa Signature - Instant Approval

credithappy — Sat, 15 Sep 2012 13:02:49 GMT

@Anonymous wrote:
Right now, until Sept 16th Nordstroms's is offering triple points to cardholders. They were also offering a special bonus for a skincare line I use so I decided to take the plunge today and apply for their visa card. Got approved for $5K! Yay! I'm really thrilled because I wanted to get another card with a higher limit before closing my $700 Cap One card that charges me $29/year. I haven't even used the card in a year...

Question. Why do people set out to get so many credit cards? I've noticed on peoples signatures that they have various cards but we all know we don't use all of them. Is there a reason other than helping lower utilization (if you have balance) that one needs so many cards?

CONGRATS!!! I have the store card I hope to be upgraded to the visa card soon. I got a $3000 CLI in July 2012 which makes my CL $3,500 for big sale that they had for the winter.

Re: Nordstom's Visa Signature - Instant Approval

RockinRay — Sat, 15 Sep 2012 13:11:15 GMT

Congrats!

I like to use my Siggy Visa at Macy's!

Re: Nordstom's Visa Signature - Instant Approval

emptypockets — Sat, 15 Sep 2012 17:02:17 GMT

@Anonymous wrote:
Right now, until Sept 16th Nordstroms's is offering triple points to cardholders. They were also offering a special bonus for a skincare line I use so I decided to take the plunge today and apply for their visa card. Got approved for $5K! Yay! I'm really thrilled because I wanted to get another card with a higher limit before closing my $700 Cap One card that charges me $29/year. I haven't even used the card in a year...

Question. Why do people set out to get so many credit cards? I've noticed on peoples signatures that they have various cards but we all know we don't use all of them. Is there a reason other than helping lower utilization (if you have balance) that one needs so many cards?

For me, I got several cards while rebuilding from my BK. When I was 7-8 yrs post BK, I started reading the Forums, and found out about cards I could likely get, with higher limits than the rebuilders. Some of those cards I got to use and to help with utilization. The ones with no AF, I kept. I also kept the store cards I use regularly, like Kohls, Macy's and Discover. To be honest, I have thought about closing Jared (just rarely use it). But with no AF, and a 7.6 k limit, it is a good cushion for Util. I keep Nordstrom for occasional sales, and it also has a 10k limit. I do have to rotate cards in my " rotation" to use them at times.

Re: Nordstom's Visa Signature - Instant Approval

Anonymous — Sat, 15 Sep 2012 17:06:11 GMT

@emptypockets wrote:
@Anonymous wrote:
Right now, until Sept 16th Nordstroms's is offering triple points to cardholders. They were also offering a special bonus for a skincare line I use so I decided to take the plunge today and apply for their visa card. Got approved for $5K! Yay! I'm really thrilled because I wanted to get another card with a higher limit before closing my $700 Cap One card that charges me $29/year. I haven't even used the card in a year...

Question. Why do people set out to get so many credit cards? I've noticed on peoples signatures that they have various cards but we all know we don't use all of them. Is there a reason other than helping lower utilization (if you have balance) that one needs so many cards?

For me, I got several cards while rebuilding from my BK. When I was 7-8 yrs post BK, I started reading the Forums, and found out about cards I could likely get, with higher limits than the rebuilders. Some of those cards I got to use and to help with utilization. The ones with no AF, I kept. I also kept the store cards I use regularly, like Kohls, Macy's and Discover. To be honest, I have thought about closing Jared (just rarely use it). But with no AF, and a 7.6 k limit, it is a good cushion for Util. I keep Nordstrom for occasional sales, and it also has a 10k limit. I do have to rotate cards in my " rotation" to use them at times.

hold old was your BK when u got your high CL cards???

Re: Nordstom's Visa Signature - Instant Approval

emptypockets — Mon, 17 Sep 2012 15:10:59 GMT

I would say the 5 yr mark is when I started being approved for higher (5k +) limits. Prior to that, I wasn't too knowledgeable about what to do to get better limits (asking for CLI's, etc.). Once I got 1-2 higher limit cards, it becamsa easier after that. Plus, by the 5 yr mark, many of my smaller cards were older, and better established leading to more CLI's and approvals with higher limits.

Re: Nordstom's Visa Signature - Instant Approval

ShiningDown — Mon, 17 Sep 2012 15:37:15 GMT

What was your score when you applied. Did they pull transunion? Was your utilization low.

Just something to compare our own credit with, congrats! Thanks.

Re: Nordstom's Visa Signature - Instant Approval

Anonymous — Tue, 18 Sep 2012 02:13:19 GMT

Last check my EQ was at 691. I have a few baddies that will fall off next year, but I have 20 + years of history (thanks to backdating thru my Amex Zync). It's been a slow climb rebuilding my credit. I don't have a mortgage and think that might be why my score hasn't gotten up to the 700's yet. I don't think my profile is well rounded enough.