My Experian is totally clean, with 10 year credit history, 17 positive TL's, 2 inquiries, and 15% utilization. My only negative is one paid state tax lien (public record) currently reporting from about 6 months ago, it shows entered 2/2003 and paid 2/2003 in the amount of $600. My actual Experian FICO is 695. The Nordstrom VISA said that if I don't qualify for the VISA, they'll automatically consider the request for a retail card. My question is -- How difficult is it to qualify for either of these two cards, and do you think I'll make it under either criteria? Thanks in advance for any info.