Nordstrom Credit Card and DWS

[Anonymous]

Do either of these stores do the shopping cart trick?
What seems to be the average score needed to qualify for one?

How often can do you request a CLI?

[FinStar]

For DWS, did you mean DSW?

AFAIK, there's no SCT for either of these CC programs (unless DSW changed recently). Of noteworthy, DSW isn't available in a store version, just the Visa Platinum or Visa Signature.

[Anonymous]

Oh I’m aware the DWS isn’t solely in store.

Im hoping to be approved for the visa for both stores. 

[FinStar]

You can definitely share your overall profile so that the community can provide better direction on those odds. Things like your AAoA, FICO scores, current accounts (loans, CCs, etc.), utilization, any negative items, etc.

The DSW Visa would likely require a FICO score above 700 and Comenity typically uses EQ for the HP and EX for the SP + alternate reporting sources (SageStream).

It's been a while since I've had my Nordstrom Visa so I'm not for sure what TD Bank may use as a benchmark for scores but IIRC they pull EX or TU. Others can correct me on that or chime in with updated DPs.

[Anonymous]

AAoA-just over a year

Uti%-14% (will be 9% at the month update)

car Loan-13k

Student Loans-16k

2 Negative items. One I just got to do a pay for delete yesterday  after receiving the letter in the mail. So once that reports just the one. Honda Repo from 2016 with a 5k balance they refuse to settle or delete. It’s a charge off. So 1 when it updates.

4 hard pulls between May ‘18- feb ‘19

Curent scores are 662 exp 669 Eq and 681 tu.

credit union credit card visa with a 1k limit. Once my score updates I was going to see if they would do a CLI without a hp to 3k or 5k.

wayfair-1550

Children’s place-500

Victoria Secret-500

im wanting to get my limits all increased to 3k to 5k except the clothing stores. Maybe 1500 for those. Just to keep my utilization low if I ever do a big purchase on the Wayfair or visa.