Got Spiegel's Charge!

Discussion in 'Credit Talk' started by PSUgirl, Apr 11, 2001.

  1. PSUgirl

    PSUgirl Guest

    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.

  2. mother2

    mother2 Well-Known Member

    I've heard 1 Retail card is sufficient. congratulations. :eek:)
  3. Dustin

    Dustin Well-Known Member

    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)...

  4. anne

    anne Guest

    Did you have any negative reports or many inquires when you applied?
  5. F.F.M

    F.F.M Guest

    What was your FICO score when you got your gap, lerner, Spiegel etc?
  6. Geo

    Geo Well-Known Member

    Spiegel is easy. I had only a Cap One secure whan they approved me for $400 instantly
  7. Shantel

    Shantel Well-Known Member

    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.
  8. zip

    zip Well-Known Member

    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.
  9. curious

    curious Well-Known Member

    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?
  10. zip

    zip Well-Known Member

    Eddie Baur-Speigel-newport news
  11. PSUgirl

    PSUgirl Guest

    When I applied for spiegel, they checked my trans union report. Had about 12 inquires, from 12months 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.

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