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Drunken Nordstrom Apping (UPDATE: 4/28/19)

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New Contributor

Re: Drunken Nordstrom Apping (UPDATE: 4/28/19)

I am so waiting on the CLI!!! This was an awesome post. I'll check back in Tuesday for the results.  GUCCI AF...

Message 81 of 88
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Message 82 of 88
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Valued Contributor

Re: Drunken Nordstrom Apping (UPDATE: 4/28/19)

I’m so curious to hear how the OP’s CLI went. I got a Nordstrom Visa right after he got his card. I just paid my first bill and will probably wait and see what happens.

Nordy Visa.... Gucci AF!

Guyatthebeach
Message 83 of 88
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Re: Drunken Nordstrom Apping (UPDATE: 4/28/19)

@Guyatthebeach the thread is linked in the post before yours







Message 84 of 88
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Re: Drunken Nordstrom Apping (UPDATE: 4/28/19)

WOW!

Message 85 of 88
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Re: Drunken Nordstrom Apping (UPDATE: 4/28/19)

Great story.

Brb Taking shots for a Chase Recon.
Message 86 of 88
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Re: Drunken Nordstrom Apping (UPDATE: 4/28/19)

This what I come here for. These are the stories we all want to hear. Give this man a medal!


Message 87 of 88
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Re: Drunken Nordstrom Apping (UPDATE: 4/28/19)


@Brian_Earl_Spilner wrote:

First off, I want to say, I don't know what happened. I don't even shop at Nordstrom's. I prefer Macy's. I guess I'm gonna have to start now. Normally my reports are frozen so this wouldn't happen, but I had temporarily unlocked them for CLI attempts and prequals and forgot to put them back on ice. I was firmly in the garden with no plans to app for at least a year. And then...Friday night happened.

 

Sometime that night I applied and was approved for a Nordstrom's retail card. I had no idea what limit I was approved for and decided after a few more drinks to call in sometime after midnight. I don't know why I thought someone would answer, but I was pretty surprised when someone answered. Turns out they're open 24 hours. The lady wanted to verify my info. It took me giving her my birthday 3 times before I realized she wanted my name. She also threw me for a loop by asking for the last 6 of my SSN. I told her my last 4 and she asked for the last 6. I told her the last 4 and she asked for the last 6. Pretty sure I must have looked pretty confused because it was at that point my wife wanted to know who the hell I was calling at 1 in the morning. She told me the lady wanted the last 6 of my SSN to which I replied, "who TF asks for the last 6? Who TF knows their last 6?" Then it came to me and I gave her the last 6.

 

The lady put me on hold and came back congratulating me for being approved for a store card. "Yeah, I know, but what's the limit?" She told me $300 and a string of profanities were my response. I told her that wasn't gonna work because I wanted a $400 Gucci wallet. At this point my wife wanted to know **bleep** I wanted a $400 wallet for and I said, "so I can be Gucci af?" Told my wife to name-drop the Target card and my recent CLIs, cause they're both handled by TD Bank. Instead, wife thanked the lady and hung up. Needless to say, my wife cut me off, but it didn't stop me and my friends from trying to act out the nativity scene with a stuffed penguin in front of a house that still had Christmas lights and a gingerbread house still up.

 

The next day I called in, sober, to find out how I can recon the starting limit. I didn't want the card, but I figured, now that I have it, might as well try to make the best of it. The lady from the night before had already submitted a request and I was told that I should call in a couple of days if I don't receive a call from them.

 

Data points:

- Mid-600 score, don't know what it is as my balances updated throughout the weekend. Will need the letter to find out.

- utilization is around 40-50%

- DTI is around 17%

- $70k income

- like 14 inquiries on EX, which is who they pulled

- 5 collections accounts on EX, should be 3

 

EDIT: just got an alert from Experian, Nordstrom has already reported my new account.

 

EDIT: when I got the alert, it was showing no credit limit and reporting as of the 1st of April. Now it's all updated.

 

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I just laughed my tush off. Great story!




Starting score - May 2018

June 2020

AAoA - 9 months
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