topic Re: Nordstrom/TD softed EQ? in General Credit Topics

Nordstrom/TD softed EQ?

Countingpennies — Tue, 03 May 2016 23:19:07 GMT

Nordie's store card, $6K CL, about 2 yrs. old, haven't used it in about 8 mos., last payment was in Dec. largest balance was about $1500.

just wondering if anyone else noticed a soft account info inq. Hope they're not thinking of closing for inactivity or CLDing.

Feel like I need to go buy something, but there's nothing I want right now. Used to make a trip to the Rack 2 or 3 times a year. it's an hour away, which is probably a good thing for my wallet. Just haven't had a chance in awhile, and nothing online for me now either.

Anyone get a soft just before they "did something?"

Re: Nordstrom/TD softed EQ?

Anonymous — Wed, 04 May 2016 07:15:27 GMT

They'll soft you about every 3-6 months.

Re: Nordstrom/TD softed EQ?

RonM21 — Wed, 04 May 2016 09:51:40 GMT

Re: Nordstrom/TD softed EQ?

Countingpennies — Wed, 04 May 2016 16:10:46 GMT

@Anonymous wrote:
They'll soft you about every 3-6 months.

Is this a general comment about any CC, a wild guess, experience with Nordstrom or TD? Nordstrom has been with TD for less than a year, and I've never seen a soft from them before, either before or after TD.

Re: Nordstrom/TD softed EQ?

RobertEG — Thu, 05 May 2016 17:43:20 GMT

I would guess that they run an internal algoritm that identifies certain accounts showing behavior that warrants a closer peek buy pulling a credit report for internal account review. They may not do a regular internal account review on every single cardholder on a regular basis.

Non-use is certainly a reason to take a peek at possible closure.