topic Re: Bloomingdales AMEX? Easier to get approved for if I have the store card? in Credit Cards

Bloomingdales AMEX? Easier to get approved for if I have the store card?

EmmyWannabeOrman — Tue, 04 Feb 2014 08:24:48 GMT

I have a regular Bloomingdales store card, in the future (with on time payments) would it be easier for me to upgrade to the AMEX version? And how soon is too soon to seek this?

Re: Bloomingdales AMEX? Easier to get approved for if I have the store card?

Creditaddict — Tue, 04 Feb 2014 08:37:02 GMT

@EmmyWannabeOrman wrote:
I have a regular Bloomingdales store card, in the future (with on time payments) would it be easier for me to upgrade to the AMEX version? And how soon is too soon to seek this?

I'd look to be in the 680+ EX and a $2k+ CL on Store Account before requesting and that's just my thoughts on points to look for on your Bloomingdales account but your other credit would also play into it

Re: Bloomingdales AMEX? Easier to get approved for if I have the store card?

randeman — Tue, 04 Feb 2014 14:25:33 GMT

I can't speak for Bloomingdale's as I haven't tried for their AMEX, but I did try a Macy's AMEX once and was turned down flat. Since Bloomingdale's is owned by Macy's, I can only assume that they have similar approval criteria. I have a $2500 limit with Macy's and have NEVER been late, and always paid more than the minimum when I chose to carry a balance.

Re: Bloomingdales AMEX? Easier to get approved for if I have the store card?

mattayy — Wed, 05 Feb 2014 20:46:42 GMT

OP from what I understand you have to have a 700+ to get approved for the macy's amex or bloomingdales amex. I tried for the macy's amex and was denied. My CL for macy's is 7.5k but my credit scores aren't over 700.

Re: Bloomingdales AMEX? Easier to get approved for if I have the store card?

austinguy907 — Thu, 06 Feb 2014 18:20:04 GMT

Macy's AMEX is administered through DSNB aka Citi

Bloomingdale's is administered through GECRB

There have been stories about online chats with each of them and being able to upgrade online. Most recommend going into the store though to apply / upgrade.

Re: Bloomingdales AMEX? Easier to get approved for if I have the store card?

yudeology101 — Thu, 06 Feb 2014 18:27:16 GMT

I think it all depends on your credit profile overall. My friend had the store card and called the analyslatt for CLI and ended applying for the AMEX version and she got it like 3 weeks later. Her scores were in the mid 600s (i forget the exact score), they pulled EX i think.

Re: Bloomingdales AMEX? Easier to get approved for if I have the store card?

Anonymous — Thu, 06 Feb 2014 18:46:07 GMT

I had the store version for about 8 years.

last december i called for an upgrade since I thought it wouldn't be a HP. After they processed the request, they told me it would be a hard inquiry, and I tried to cancel the request then. However the request has already been processed, but it seems like they haven't done any hard inquiries on any of my files either.

Last SP was on 27th Dec 2013 though, so I am guessing the upgrade request is just a SP.

The amex tradeline hasn't showed up on my CRs yet.

Re: Bloomingdales AMEX? Easier to get approved for if I have the store card?

Creditaddict — Thu, 06 Feb 2014 19:25:58 GMT

@austinguy907 wrote:
Macy's AMEX is administered through DSNB aka Citi
Bloomingdale's is administered through GECRB

There have been stories about online chats with each of them and being able to upgrade online. Most recommend going into the store though to apply / upgrade.

NO, Both Macy's and Bloomindales are administered through DSNB aka Citi.

Re: Bloomingdales AMEX? Easier to get approved for if I have the store card?

austinguy907 — Tue, 11 Feb 2014 00:33:35 GMT

I stand corrected. I thought when I was debating the 2 of them last year that I found Bloomingdales to be through GECRB... maybe it's just the store card? *shrug*

Re: Bloomingdales AMEX? Easier to get approved for if I have the store card?

Creditaddict — Tue, 11 Feb 2014 00:35:43 GMT

@austinguy907 wrote:
I stand corrected. I thought when I was debating the 2 of them last year that I found Bloomingdales to be through GECRB... maybe it's just the store card? *shrug*

nope