Initially I wanted to apply for their Platinum Visa card, which I think is a step above the store card, but below the Signature card but I noticed it wasn't available online anymore and when I searched I read that last year apparently they got rid of that card.
I've never had issues getting approval for credit before so I figured I'd sign up for the Visa because everything I was reading said that usually if you get denied for it they'll just send you the store card. Well, that didn't come either.
I'll admit, I'm def not a credit guru and I know there's a lot that goes into credit scores, but I was a little surprised so wanted to come here to get some opinions and advice from people who are more credit savvy than myself
- I have a FICO score of 755, have 2 other credit cards and 1 store card (I've had the 2 credit cards for 5+ years and the store card for about 2 years).
- Previously had a student loan of $24,000 that I paid off very early - within a year an a half after I graduated from college.
- Never had a late payment on any of my cards or any of my utilities..as a matter of fact my loan was the only thing that ever accrued any sort of interest - whenever I spend anything on any of my cards I pay off the full balance right away (is that bad?).
- I also read up before I applied and heard that sometimes it looks bad when you've applied for several cards or when your credit report has lots of "inquiries". I haven't applied for a card in quite sometime (even though I get all this junk mail that says things like I've been "pre0approved") and the last inquiry I would think to have on my report would be when I applied for my apartment a year and a half ago.
I've also read several things of people who seem to have worse credit than what I've posted who have posted stories about getting denied but then calling or writing in a letter asking for reconsideration and magically getting a call the same day from "mr. nordstrom himself" or "mr. nordstrom's assistant" saying that they are suddenly now approved....... sounds like bull to me but I've actually seen several people post similar stories elsewhere online, so just curious if anyone here has had first hand experience with that?