Nordstroms denial/approval

NursePurse · ‎03-17-2014

Applied in store, given a printed receipt to call 800 number. Called and a not-so-very nice lady answered and said I was declined due to a recent inquiry from Discover. I understood and thanked her for her time.

I emailed Nordstom's customer service department and gave them my experience with the lady I had spoken with.

I received a phone call 20 minutes later from the Nordstrom support service manager after I sent the email.

He was so nice , he said they had a chance to listen to the phone call and apologized for my experience, agreeing that the lady I spoke with was condescending.

I thanked him for calling me and expresed my gratitude for a company actually reading emails and getting back to customers (I wanted to send flowers to the guy at this point).

I was ready to hang up - I was not going to ask him to review the application, I was so taken back that he called me, that getting the card wasn't even on my mind.

Before we hung up, the gentleman says "I would also like to welcome you to the Nordstrom family because there is a card in the mail with your name on it"

It's a $500 limit, but I was almost in tears when he said that to me.

Thanks for giving me a chance Nordstrom!

EQ FICO 694 TU FICO 689 EXP FICO 695(Started rebuilding in Nov 2013, student loan charge-off's dating from 2011, all marked as paid on CRB's) 14% Utl Chase United Mileage Plus $5G/Citi DoubleCash $4G/USAirways MC $5G/NFCU cashRewards $11,500/Navcheck $10G/Cap1 Quicksilver1 $2,500/Cap1 Quicksilver1 $2G/Gap $2500/Barclay Rewards MC $1G/Walmart $2,500/CareCredit joint $8400 LOFT/Express/VS all $2500 /J.Crew$7500/True Value $3G/True Value Discover$3G/Nordstrom $6G/Amazon $4G/ Amex Hilton HHonors $1G/Chase Amazon $500/Chase Freedom $2G/Paypal MC $4G/Amex Everyday $2G/Venture $5G/Amex Costco$2G

-Wade- · ‎03-17-2014

@rebuildingcredit1 wrote:
Applied in store, given a printed receipt to call 800 number. Called and a not-so-very nice lady answered and said I was declined due to a recent inquiry from Discover. I understood and thanked her for her time.
I emailed Nordstom's customer service department and gave them my experience with the lady I had spoken with.
I received a phone call 20 minutes later from the Nordstrom support service manager after I sent the email.

He was so nice I could tell just by his voice that I wanted to take him on he said they had a chance to listen to the phone call and apologized for my experience, agreeing that the lady I spoke with was condescending.
I thanked him for calling me and expresed my gratitude for a company actually reading emails and getting back to customers (I wanted to send flowers to the guy at this point).
I was ready to hang up - I was not going to ask him to review the application, I was so taken back that he called me, that getting the card wasn't even on my mind.
Before we hung up, the gentleman says "I would also like to welcome you to the Nordstrom family because there is a card in the mail with your name on it"
It's a $500 limit, but I was almost in tears when he said that to me.

Thanks for giving me a chance Nordstrom!

Awesome story and Congrats on your approval

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

B335is · ‎03-17-2014

Wow, congrats! I actually spoke with a really nice CSR earlier about verification of an online application and am tempted to try emailing them.

gdale6 · ‎03-17-2014

Nice, grats

coldnmn · ‎03-17-2014

Congrats! Thanks for sharing your awsome story!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

yudeology101 · ‎03-17-2014

Congrats on your approval! Do you know which CRA they pulled?

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

myjourney · ‎03-17-2014

@yudeology101 wrote:
Congrats on your approval! Do you know which CRA they pulled?

Why is there a reason you of all people are asking ....Lol

Get to stepping Yude!!!!!!!!!!!!!!

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

NursePurse · ‎03-17-2014

@yudeology101 wrote:
Congrats on your approval! Do you know which CRA they pulled?

Thanks!! : )

and yes, they pulled Experian

EQ FICO 694 TU FICO 689 EXP FICO 695(Started rebuilding in Nov 2013, student loan charge-off's dating from 2011, all marked as paid on CRB's) 14% Utl Chase United Mileage Plus $5G/Citi DoubleCash $4G/USAirways MC $5G/NFCU cashRewards $11,500/Navcheck $10G/Cap1 Quicksilver1 $2,500/Cap1 Quicksilver1 $2G/Gap $2500/Barclay Rewards MC $1G/Walmart $2,500/CareCredit joint $8400 LOFT/Express/VS all $2500 /J.Crew$7500/True Value $3G/True Value Discover$3G/Nordstrom $6G/Amazon $4G/ Amex Hilton HHonors $1G/Chase Amazon $500/Chase Freedom $2G/Paypal MC $4G/Amex Everyday $2G/Venture $5G/Amex Costco$2G

yudeology101 · ‎03-17-2014

@myjourney wrote:
@yudeology101 wrote:
Congrats on your approval! Do you know which CRA they pulled?
Why is there a reason you of all people are asking ....Lol
Get to stepping Yude!!!!!!!!!!!!!!

O. MJ....I was just curious, that's all. I'm innocent until proven guilty!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

B335is · ‎03-17-2014

yudeology they pulled my EX last week too. I was expecting EQ but that shows how much I know lol.