Last weekI was denied by Nordstrom Bank for the Visa, and my scores are ~739. I've used my credit very little lately, I don't like the game.
I called and asked for a reconsideration and they told me no, the reason given was "not enough active current accounts". They told me flatout they didn't care about my score. Nordstrom bank is strict. Haha to them, I spend a lot of money there, and I'll never go there again. They don't need me, I don't need them.
I applied for an HSBC Platinum and got it.
For future reference.... Is it best to first get the store card... pay on it for a couple of years and wait to get invited?
A good site to see what others are getting with certain scores: whogavemecredit.com
I hated to waste a pull on a store card. I wanted to get a bank card if I was going to waste a pull.
I'm just now wising up that you can't ignore credit just because you're uninterested in it. CB's have more power and less acountability than they should. Everything is a scam for someone to make money, and we're just the cannon-fodder.
I think it's funny that you can't buy a house unless you owe for a car and a bunch of crap you bought on cards. Deniied because of lack of indebtedness. Sheesh.
From what I understand, Nordstrom is inquiry sensitive. I got approved for a store card Sept 09 with 2k limit. I had zero inquiries on EQ and hadn't applied for new credit in years. My scores at the time were around 660 or so. I had several accounts in good standing, at that time, probably 16 goodies with two bad accounts that are about 2 years old.
For the record, I spoke to a representative about getting upgraded to a Visa, about two weeks ago. He told me that typically you should have a store card for about seven months and a score in the 700's and obviously they look at your income as well. I was told that they do not invite you (maybe they did at one time) to apply for their Visa product, but you have to call and request it. Now, this is one CSR, so perhaps if I called again, I could very well get a different response.
Anyone got approved for a nordstroms card lately? what were your credit scores? And how many inquires did u have? WAs it a store card or Visa?
My score were in the upper 700's at the time of app'ing and got declined. I had too many recent inquiries on the EQ report. They were the last who I app'ed with. I have 11 good cards now, so am content with what I have. I'm now letting my AAoA's rebound.