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OMG...Nordstrom I love you!!

creditwhisp
Regular Contributor

OMG...Nordstrom I love you!!

I applied online the other day, called and was told my application was denied..you know the 7-10 day letter with the reasons why.  So for some reason that didn't sit well with me since I never received a notification that I had an inquiry pull.  I called a few minutes ago through the regular toll-free number,  pressed the option for the credit department, and was connected with a nice lady.  I asked if she can check the status of my application.  She placed me on hold and then came back to say she is reopening my application it will be a few moments more. She came back and asked if there was anything on my credit that she needed to be aware of? I only address all the positive stuff like the last 10 months of on time payments, and all of my revolving accounts that are in good standing. I have two accounts that have a high balance but gradually paying them down, 2 collection accounts and one charge off from 3 yrs ago. After feeling like I was interrogated, I knew I had a chance with approval because you wouldn't be asked questions like that if you were denied...lol.  Long story short she came back to the phone and said: "I have an offer on the Nordstrom store card in the amount of $1,000 SL"..!!  It may not be a lot to some but this is my highest SL so far and coming from where I was just less than a year ago, I couldn't get a hamburger on credit...hehehe.  I shop here at least every two weeks so hopefully this card will grow and come to great use.

 

My current scores:

EQ - 609

TU - 611

EX - 623

Message 1 of 9
8 REPLIES 8
CreditMagic7
Super Contributor

Re: OMG...Nordstrom I love you!!

Every step even a small one starting up is a good one that leads to more.

 

Big Congratulations on your "approval" and the effort to try again Smiley Happy

Message 2 of 9
Sean60099
Frequent Contributor

Re: OMG...Nordstrom I love you!!

Congratz! 


Remember after your 7th billing cycle you can call in and request a CLI, Nordstrom will only do CLI's via soft pull. Then every 4 months after that. 

I started out 18 months ago with a $1500 credit line at the Tier IV interest rate. Fast forward to a couple months ago and I have been steadily growing my credit lines to what is now $15,000 with them at Tier I. 

Citi TY MC (AU) $30,000 |Hilton Amex (AU) $30,000|USAA CR Amex $28,000 |Chase United $22,000|Nordstrom VS $25,000
PenFed Rwz VS $30,000 |Quick Silver $13,000 |BAC Cash Rwz $25,000|BBY Visa $10,000|PenFed LOC $25,000 | Lowes $30,000 | Care Credit $15,000 Discover It $6,600 |Costco Visa $5,000 |Consumer CCU VS $10,000
NFCU Flagship $19,800 |State Farm Visa $4,000 | Marvel MC $10,000| NFCU LOC $15,000| Wells Fargo 360 Amex $9,500| Citi AA $9,000| Huntington $6,500| BCU loc $25,000| Cap1 savor $10,000| PenFed Amex $7,500

Total Credit line $421,000 | FICO as of 8/3/2019 TU 730 |EQ 699 |EX 697| UTI 2%
Message 3 of 9
ItsPossible
Valued Contributor

Re: OMG...Nordstrom I love you!!

Congratulations!!!! I worked at Nordstrom. Great company and great card.

"Hover mouse over cards to see CL and APR info"


Message 4 of 9
Archange1
Established Contributor

Re: OMG...Nordstrom I love you!!


@Sean60099 wrote:

Congratz! 


Remember after your 7th billing cycle you can call in and request a CLI, Nordstrom will only do CLI's via soft pull. Then every 4 months after that. 

I started out 18 months ago with a $1500 credit line at the Tier IV interest rate. Fast forward to a couple months ago and I have been steadily growing my credit lines to what is now $15,000 with them at Tier I. 



what if I receive an auto CLI. Can I still receive another CLI?

Message 5 of 9
Jdana70
Established Contributor

Re: OMG...Nordstrom I love you!!

Great job. I should have applied for Nordstroms instead of Macy's last year lol.
Message 6 of 9
Awashi17
Frequent Contributor

Re: OMG...Nordstrom I love you!!

That's awesome. Congrats to you!!

Message 7 of 9
CMSA
Established Contributor

Re: OMG...Nordstrom I love you!!

Congrats!

Message 8 of 9
creditwhisp
Regular Contributor

Update: OMG...Nordstrom I love you!!

Received an automatic increase of 200 before my 5th statement generated this month.  I am not sure how they review CLI but happy to receive this one.  Hopefully I can get another one within the next few months.

Message 9 of 9
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