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I'm in rebuilding mode, I'm trying to get 3 cards. My scores are ~739. The good scores are from old tradelines, there is nothing recent at all.
I got the HSBC, approved for $2000.
I got overconfident and app'ed for a Nordstrom, which someone suggested.
DEEE-NIED. I called and got a regular CSR who told me no, that I was denied because of no recent credit history. Does writing a letter do any good? Calling and asking for a supervisor? I don't care about that particular card, I'm just PO'ed about the hard pull that it cost.
I think Nordstrom likes to see some trade lines first.
you can try supervisor but otherwise not sure a letter would get you any further
@Creditaddict wrote:I think Nordstrom likes to see some trade lines first.
Yep, that's exactly what she told me. She said they don't care about score.
I'm learning.
I was denied for a nRewards from NFCU online, so I wrote a sob story letter and attached 6 months worth of pay statements and sent to their credit department. They approved a $2500 card in a week.