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Annoyed with the Nordstrom debit card
I applied for it in store, and was declined, so they sent me a letter and I called to find out why. I have a credit score in in the 800s and plenty of money in the bank (I'm not trying to make it sound like I'm filthy rich, just pointing out that there is no reason I should have been denied this card).... so I really can't imagine why I was turned down for this.
The guy I spoke with says the decision is not contingent on credit (even though mine is stellar, and the agency he directed me to in order to receive my report says their function is to determine credit worthiness) - but they look at whether you keep a steady phone number or address. My phone number has been the same since 2005, except it was placed on hold while I was in China last year, and my address history is insane because I've moved 6 times in 7 years as a military wife! This really irritates me.
I just wanted to vent.
Re: Annoyed with the Nordstrom debit card
I think the debit card has issues in general. I applied for one a few months ago, since it's a debit card it's only linked to your checking and is supposed to have no restrictions. I was denied multiple times by my bank (Citizens) and the bank said it's because no third parties were allowed to access my checking for security reasons. So fine, my credit union would do it no problem, they "opened" the debit card with that, made my purchases and was on my way.
Well I get home, check my bank account that had been "denied" and low and behold the charges had come out of the denied account! I got my debit card in the mail about a week later.
The whole system is messed up and literally nobody knows anything about the debit card program. I would be surprised if a card didn't show up in the mail in a few weeks.
you know, you are right, and I think it must be a blessing in disguise
I'm really paranoid and I hardly ever use my debit card at all. One year my card was somehow duplicated and someone withdrew 7500 dollars from my bank account straight from an ATM, and I had my original card with me! I was in Florida at the same time using my card, while people were withdrawing money from an ATM using the same card in California. Bank of America FAIL! We did get our money back, though.