I recieved spiegel's charge in the mail yesterday. I applied over the net about 2 weeks ago. I wanted to know, how many store charges should you have? How easy is it to get pier1, gap, express, lerner(ny&co)'s cards. I wanted to get 2 more store charges. I currently have 2 now. PSugirl
According the the FICO pages, it says "AT LEAST 1" so, I am not sure if it is 1 and only one, or if it is 1 or 2 but not more than that. Since FICO is a pain in the a** to figure out, I would just stop at 2, and use Visa or Mastercard for other purchases (interest should be lower, also)... Dustin
Spiegel isn't THAT easy. I applied (pre Junum) back in Jan and was denied. I've had 2 years of perfect payment history, sure I had some negs, but okay. They said, NOPERS! And I really wanted that Spiegel. Easy come easy go I guess. No more inquires for me until I go to get my car this summer.
found speigel is very generous with increases. I had the card 1 year before I actually used it, once I used it they increased it by 500.00 then 2 months later they gave me a 1000.00 without me even asking. My brother uses it at Eddie Bauer then pays it off.
I just got the card from the website. They told me that $300 was available for use immediately and that I would be receiving the card and my total credit limit, in the mail, in 7 business days. Can you use the card at other stores? If so, which ones?
When I applied for spiegel, they checked my trans union report. Had about 12 inquires, from 12months past....one negative account. MBNA, 2-30days, 3-60days, 7-90+ days from 1998-1999. But, i have since kept that account in good standing for the past year. I have some other smaller accounts, in good standing, and lots of student loans not in repayment. When i applied for the card over the net, the system gave me an error message ...the system had messed up. Then, i got the card in the mail! My fico with equifax at that point was 609. Equifax has more inquires, about 20+ and a charge off. So my transunion would have had a higher score.
