🍾🎉🎊Another myfico forum tip that panned out! 🤗 I was able to get upgraded to the visa signature by ASKING - at my local Nordstrom - IN PERSON - AFTER January 1st 2019!! 😬. Today is January SECOND!! 😜A little bit of background; I’ve had the Nordstrom STORE card for about 13 years now. In that time, my credit limit has gone from $500 to $18,000. It was $1K for 11 years. I never got an automatic cli. My credit score is a 586-649. Uti is 54% It's not higher because my Wayfair and Overstock CL's are generous and less used. ALL of my major credit cards are currently maxed out. 😅😭2 years ago, i started calling Nordstrom for increases frequently. ALL increases were requested and granted until recently (i called too soon). I started using the Nordstrom Store card a bit more without paying off the balances in full. I also put 3 family members on my account as AU's. This helped their credit and was a handy reason to use for the frequent increase requests. I keep their cards though - unused. When I went in today, I told them I wanted to convert my Nordstrom Store card to their Visa card. THEY called their credit office. They asked for my SS# and ID and income which I gave and braced for the hard pull which the csr wasn't sure they'd do. They DIDN'T! She had to go through the whole app at which point I came up as already having an account and then she had to call the credit office back. They asked to speak to me and asked me all the id/work/income questions again. Then they CALLED me on my cell phone right there! I almost didn't answer as I was on a hard line WITH THEM AT THE STORE! They were further checking the phone number given.😑Then they said "please hold" once again and came back with the approval. The approval was my $18K limit split with the store card since i have a current $550 balance. I further asked if I could just have $1k on the store card and $17K on the new Nordstrom Siggy Visa at which I was told "YES"!! Then I was told I'd get an instant $40. note if I spent .01 cent today! I did and my purchase was FREE! 💜💖❣️I LOVE Nordstrom!! 😍💙🧡❣️ ps. 1) When I was asking for the Nordstrom Store Card increases, whatever they would approve, I would ask for MORE and the higher amount would be approved. 2) I've never been late on a Nordstrom payment and usually pay my balance in full. 3) I haven't any credit baddies 4) I've never filed BK 5) I currently have 45 hard inquiries according to CK😫😩😢😭!!! 6) My AAoA is only 2.2 years. 7)It seems Nordstrom/TD Bank cares more about your history with THEM than about score, credit age or inquiries.💖💙
Oh wow. Congratulations.
Now I really want to try my luck at the store. Can you tell me who you spoke with at the store? Like in customer service area or any employee at a cash register?
Now I really want to try my luck at the store. Can you tell me who you spoke with at the store? Like in customer service area or any employee at a cash register?
Yes. I went straight to the Nordstrom Service Bar. They will do the application and call.
So...
I went to the store today and told them I want to do then upgrade (knowing that there will be a new application). The service representative called the credit department and confirmed that a new application is needed.
I gave her the DL. She entered it into the system, then the point of sale system asked for my SSN and income. I entered those. After that, the representative said she doesn't has the option to pick the Visa card. So she called the credit department and she were told that if there is not a Visa option on her screen. It means I am not eligible for the Visa. Bummer.
I asked if a credit report has been pulled. She doesn't knows...... So I left and called customer service number on the back of the card. The representative said she had no record of the application. She thinks that because there is not option to select the Visa card during the application process. There would be no credit pull. I asked if there is a way to have the credit report pulled manually and she said no.
I was so excited when my CL get bumped to $6K so I can get the Visa version but....
Oh well.
I went to the store today and told them I want to do then upgrade (knowing that there will be a new application). The service representative called the credit department and confirmed that a new application is needed.
I gave her the DL. She entered it into the system, then the point of sale system asked for my SSN and income. I entered those. After that, the representative said she doesn't has the option to pick the Visa card. So she called the credit department and she were told that if there is not a Visa option on her screen. It means I am not eligible for the Visa. Bummer.
I asked if a credit report has been pulled. She doesn't knows...... So I left and called customer service number on the back of the card. The representative said she had no record of the application. She thinks that because there is not option to select the Visa card during the application process. There would be no credit pull. I asked if there is a way to have the credit report pulled manually and she said no.
I was so excited when my CL get bumped to $6K so I can get the Visa version but....
Oh well.
Update: Went crazy with my Nordstrom $17K Visa and was bumped DOWN to $5K! 😱😭😬 I'd just about hit THAT in 2 weeks!! 😭! That was a week ago. When I called to ask why my 'new' Nordy Visa was reduced from $17K to $5k, I was told they'd have to 'monitor' my use for a few months. I quickly paid it down significantly as the $5K CL put me near its max. Today, I called and they INCREASED my Nordstrom Retail CL up to $15K from $1K!! 🤗!! I'd paid the $1K card in full before inquiring. No hard pull. Hoping to get the CL on the Nordstrom Visa back to $17-$20K. All in, at this point, between the 2 cards I'm fine at a combined $20K. Hoping to get the CL on the Nordstrom Visa back to $17-$20K. All in, at this point, between the 2 cards I'm fine at a combined $20K.
@PRose123 wrote:
🍾🎉🎊Another myfico forum tip that panned out! 🤗 I was able to get upgraded to the visa signature by ASKING - at my local Nordstrom - IN PERSON - AFTER January 1st 2019!! 😬. Today is January SECOND!! 😜A little bit of background; I’ve had the Nordstrom STORE card for about 13 years now. In that time, my credit limit has gone from $500 to $18,000. It was $1K for 11 years. I never got an automatic cli. My credit score is a 586-649. Uti is 54% It's not higher because my Wayfair and Overstock CL's are generous and less used. ALL of my major credit cards are currently maxed out. 😅😭2 years ago, i started calling Nordstrom for increases frequently. ALL increases were requested and granted until recently (i called too soon). I started using the Nordstrom Store card a bit more without paying off the balances in full. I also put 3 family members on my account as AU's. This helped their credit and was a handy reason to use for the frequent increase requests. I keep their cards though - unused. When I went in today, I told them I wanted to convert my Nordstrom Store card to their Visa card. THEY called their credit office. They asked for my SS# and ID and income which I gave and braced for the hard pull which the csr wasn't sure they'd do. They DIDN'T! She had to go through the whole app at which point I came up as already having an account and then she had to call the credit office back. They asked to speak to me and asked me all the id/work/income questions again. Then they CALLED me on my cell phone right there! I almost didn't answer as I was on a hard line WITH THEM AT THE STORE! They were further checking the phone number given.😑Then they said "please hold" once again and came back with the approval. The approval was my $18K limit split with the store card since i have a current $550 balance. I further asked if I could just have $1k on the store card and $17K on the new Nordstrom Siggy Visa at which I was told "YES"!! Then I was told I'd get an instant $40. note if I spent .01 cent today! I did and my purchase was FREE! 💜💖❣️I LOVE Nordstrom!! 😍💙🧡❣️ ps. 1) When I was asking for the Nordstrom Store Card increases, whatever they would approve, I would ask for MORE and the higher amount would be approved. 2) I've never been late on a Nordstrom payment and usually pay my balance in full. 3) I haven't any credit baddies 4) I've never filed BK 5) I currently have 45 hard inquiries according to CK😫😩😢😭!!! 6) My AAoA is only 2.2 years. 7)It seems Nordstrom/TD Bank cares more about your history with THEM than about score, credit age or inquiries.💖💙
All of your major credit cards were maxed and then you ran the Nordstrom Visa up to nearly $5k that quickly?! No wonder they were spooked!
Wow, interesting . Thanks for sharing. Would love to read the full story
. Are your other cards maxed right now as alluded to by previous poster?
. Are your other cards maxed right now as alluded to by previous poster?
LOL! Exactly!!
My major credit cards are not maxed but they definitely are over the recommended 30% at this moment in time.