Saks World Elite MasterCard through Cap1

[Harvey26]

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@dsotm76 wrote:

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@Harvey26 wrote:

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I just applied for this card instore on the 26th. Datapoints Income 125K, 752 EQ score intially approved for 1,500 reconned on the spot to 7,000. I did apply in store. I previously had a store card with a 7K limit just told them to match that account. Sure I could have went higher but its not a daily driver.

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Thanks for the dps!  When you reconned on the spot, how does that work in store?  

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They had to call to process due to my fraud alert and I just asked for a higher limit if they dont need to call they will just call credit and process the request. Below is Mahraja's post he got his bumped from 4K to 30K and also it a world elite mastercard regardless of limit as previously stated. https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SAKS-Fifth-World-Elite-Mastercard-In-Store-Ap...

[nuohlac]

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@dsotm76 wrote:

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@nuohlac wrote:

Thank you. If you want a Disco card I say get it. I personally don't worry about APR's because I PIF with your scores it's obvious you have good credit behaviors. The way I approach it is just get them out of the **bleep** way. Get what you want and talk about the terms when you are in the door and they know you. Not in the nice to meet you phase. Regarding the income aspect of things I cannot comment on Saks/Cap 1's view. However, you need a $5,000 limit to qualify for the WEMC. Majority of your cards are over the $5,000 CL so you probably have a better chance you think. 

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That's good to know.  I was hoping that the strength of some of my other cards would make a difference.  I'll definitely keep it in mind and report if I pull the trigger.  I'm eyeing next weekend.  :-)

On an unrelated side note, with your Discover NHL, did you cold app for the NHL or did you pre-qual through the Discover site and then get them to switch it over after approval?

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I cold app'd my Disco all the way back in 2012. We just don't get a long well together so my card has not really grown. I do not put enough spend through it. I did PC to this card just to support the Blues though. 

[NoMoreE46]

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You are correct, the Saks Fifth Avenue WEMC is an apply in store only card; it is a single HP they use TU. The hardest part is getting to Saks. They have their own in house CSR staff and you do nothing with Capital One unless you call and the Saks CSR office in Mississippi is closed. Then you will be forwarded to a Capital One CSR. I have pasted both my approval and CLI approval posts here for you to review. I would personally say the card is worth it for the 3X points at spa's, salons and barbershops alone. I primarily use it for that when not shopping at Saks. You cannot see it in my avatar but there is a beautiful blonde Mohawk on top of my head. So I spend more than my fare share of time and money at a barbershop. I hope you make the decision that you feel is best for you. If you have any other questions I am available. 

I would say that  @nuohlac   is the go-to for the Saks WEMC card.

[dsotm76]

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@nuohlac wrote:

I cold app'd my Disco all the way back in 2012. We just don't get a long well together so my card has not really grown. I do not put enough spend through it. I did PC to this card just to support the Blues though. 

Thanks for the side info on that.  I get the pre-qualified for their cards (now down to 20.99%) but always get wary of cold apping, which the NHL card does.  I kinda really want that Blues card.  It looks amazing!  

[dsotm76]

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@NoMoreE46 wrote:

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I would say that  @nuohlac   is the go-to for the Saks WEMC card.

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I definitely agree!