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Hi all,
A friend asked my advice(go figure),and I promised him I would go to the pros. I would appreciate any help you give us.
He wants to app Discover More (received invite in mail)
Nordstrom Visa
and Macy's store.
Should he go into Nordstrom 1st?
His scores as of today are Ex(Vantage) 703
EQ (Fico) 724
TU (Fico) 714
No baddies
1 TU inquiry in 12 mo
no other inq
Thanks
illtakecreditforthat wrote:
IMO, I would apply for Discover 1st. Since its a pre-qual, they've most likely soft pulled his CR. If they notice additional recent inquiries and/or new accounts, might make them uneasy. After acceptance by Discover (TU in California), I'd app Nordstrom, since its probably more difficult to get Visa than store card.
since nordstrom is probably a bit more sensitive to inqs than discover, i would definitely app nordstrom before discover for best CL/result, the two are equally conservative lenders more or less.
discover won't necessarily object to the one additional inq from nordstrom since the time that they softed you-- if anything it may prompt them to compete harder for your biz (higher CL) since they have already expressly shown an interest in you, unlike nordstrom-- it's not like you went and applied for 3 new accts, which in that case could bring pause. whatever works for you, gl.
Personally, I would go Nordstrom, Discover, Macy's, in that order. Store cards are better to apply for in the store.
Nordstrom is most of the time an EQ pull, Discover is unpredictable (mostly EX, I guess), and Macy's should be EX.
Ulan wrote:
Personally, I would go Nordstrom, Discover, Macy's, in that order. Store cards are better to apply for in the store.
Nordstrom is most of the time an EQ pull, Discover is unpredictable (mostly EX, I guess), and Macy's should be EX.
+1
discover pulled TU (and softed EQ) for me in ny. agreed that they are hard to predict (in '07 they pulled EX for me in same location)
illtakecreditforthat wrote:
IMO, I would apply for Discover 1st. Since its a pre-qual, they've most likely soft pulled his CR. If they notice additional recent inquiries and/or new accounts, might make them uneasy. After acceptance by Discover (TU in California), I'd app Nordstrom, since its probably more difficult to get Visa than store card.
since nordstrom is probably a bit more sensitive to inqs than discover, i would definitely app nordstrom before discover for best CL/result, the two are equally conservative lenders more or less.
discover won't necessarily object to the one additional inq from nordstrom since the time that they softed you-- if anything it may prompt them to compete harder for your biz (higher CL) since they have already expressly shown an interest in you, unlike nordstrom-- it's not like you went and applied for 3 new accts, which in that case could bring pause. whatever works for you, gl.
@score_building wrote:@Anonymous wrote:
IMO, I would apply for Discover 1st. Since its a pre-qual, they've most likely soft pulled his CR. If they notice additional recent inquiries and/or new accounts, might make them uneasy. After acceptance by Discover (TU in California), I'd app Nordstrom, since its probably more difficult to get Visa than store card.since nordstrom is probably a bit more sensitive to inqs than discover, i would definitely app nordstrom before discover for best CL/result, the two are equally conservative lenders more or less.
discover won't necessarily object to the one additional inq from nordstrom since the time that they softed you-- if anything it may prompt them to compete harder for your biz (higher CL) since they have already expressly shown an interest in you, unlike nordstrom-- it's not like you went and applied for 3 new accts, which in that case could bring pause. whatever works for you, gl.
Message Edited by score_building on 05-22-2009 09:47 AM
I agree. Nordstrom generally doesn't like any inquiries or new accounts within the last 6 months. Discover didn't mind that I applied for a different card 3 days before I applied for theirs, and both were EX pulls.