Dillard's Too Many Inquiries in Last 6Months

[Thisisit4u]

Came out of gardening to get a Dillard's card for the holidays. Transunion pulled, have 10 inquiries. Score 661.  I will be shopping at Macy's,Kohl, Belk, Victoria Secrets and Bath Body Works for the holidays! There loss, Wells Fargo.

[Anonymous]

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@Thisisit4u wrote:

Came out of gardening to get a Dillard's card for the holidays. Transunion pulled, have 10 inquiries. Score 661.  I will be shopping at Macy's,Kohl, Belk, Victoria Secrets and Bath Body Works for the holidays! There loss, Wells Fargo.

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Sorry about that but I'm glad to know they worry about inquires for the last 6 months. I have a Dillards by me and I was wondering if I should apply for their card. 

[Anonymous]

I first apped with them in April on line. Tried to recon no success said I had to many newly opened accounts, utilization too high, and a collection (a $200 medical lab bill from 4/2013).TU score around 660.Wells very hard line. Not flexible for recons. Told them I have a corporate and personal Wells account opened for some years.  Said banking relationship was meaningless. 

Went in store in June, utilization around 15%, TU score 692, clerk persuaded me to apply, and bam, approved for $1600. Only had about 4-5 TU inquiries because my medical collection is ONLY on my TU,  and I always focused on accounts not using TU.

It may be because your score was borderline. If you were over 680 may have gone through. Did you apply in store with a purchase? 

[Anonymous]

I was approved for a Dillard's Amex early October on line.  I was approved for 2K.  They did pull TU and at the time my score was 703.  I have 9 inquiries with TU and over 24 new accounts for the last 6 month.  While I knew my score was ok, I wasn't sure if Wells Fargo felt comfortable with all my activity.  Btw, my utilization was 6% at that time.  Hopefully that gives you some data point.  Your score might have been borderline and they just a bunch of other things to justify their decision.  I've had that happen many times.  Good Luck!

[Ron1]

Sorry to hear!! I got it when they were Synchrony. I only used my Dillard's Amex once at Dillard's. Their stuff is very expensive. They don't have any discount coupons like Kohls and Belk. You don't miss anything.

Ron.

[Thisisit4u]

Yes, I applied in store. Spoke with credit and said too many inquiries in last 6 months and I will be receiving a letter. I shop there a lot, but I agree Macy's have more sales and Macy's gave me a 800 SL. Dillard's loss, Macy's gain.