@Anonymous wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:Hey hey! I have read a few posts about Bloomingdales approvals, but nothing that quite fits my situation. I am thinking about applying for a Bloomies card. I am fine with starting with a low balance. But I am not sure if I have a chance of being approved.
EX: 629
EQ: 664
TU: 689
income: 158,000
What do you all think? Thanks a million!
With income like that and decent scores on Eq and Tu im pretty sure you can find a better card out there unless you shop heavy there. Not bringing down the store card but sometimes people app one because they feel they only can be approved for a store card. If Bloomies is like Macys and are DSNB , which means Citi, most likely looking at a EX and Eq pull so it can be iffy. What other cards do you have and why is Ex so low?
Thanks for your response! I want to purchase something specific from Bloomingdales so I figured it might be a good time to get a retail card.
Right now I have 2 Cap one, two discover, and one first premiere.
I also have a BK that discharged in Jan 2019.
It's so weird that my EX score is so low. It's reporting the same as the other two. It's actually dropped a bit over time. One of my discos reported $700 a few months ago and my EX score dropped about 15 or 16 points after. The other two just a few points. I typically pay that card off in full every month - with the exception of that month. EX took a really hard hit from that.
Honestly, just getting the card for 1 time purchase isnt worth it. I think you should use your Disco to build history, if they accept it, and just keep improving your score. Let it rise and then apply for a card you want. You will better your chances and also not waste hps. If i could go back id be more selective on my apps
