Neiman Marcus Credit Card Reviews
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
These reviews were written by current and former cardholders in the last year.
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Nothing grate
I have card and it is nothing mote than psaying 24 interest for a card that has a horrible point system and the Orlando, Fl store has the worst returns policy in the business.
I got approved
So I was reserved to apply for this card. I've been rebuilding my credit drastcially and took a chance after getting approved for a discover card that CK said my chances where fair. They needed more information so I called. At first they were not going to approve me so I called back twice same day to have them review and I was approved for a $1,000.00 It's a start. Just 6 mos ago I would have been declinced quickly So thank God! CK gave me scores of 680 & 701 and my DTI at the time was 26%
Great, but use wisely!
NM is almost NPSL, as they tend to work with you to ensure a happy customer, but the APR is scary (20%+), so I am mindful about my purchases. Still, as a lover of fashion, I do appreciate the card. They have special beauty days, and sneak peeks, which is awesome! Exemplary customer service (in store and via phone). No issues with card or payments (can pay in store, too). And Last Call is definitely not to be missed, and they have great gift card deals (i.e. spend 500, get 100). Still, charge with caution; again, the interest is crazy...
Normal store card
You can use at any neiman marcus owned business (bergdorfs, horchow). Normal high store interest card. Generous with credit increases though if you request. Good store card to have to get those impulse buys lol.
Neiman Marcus
Applied online was told to call in for verification. I did and got approved for 700 with fico score of 615. Received the card in mail after a week. Went to th store and card was declined. Called in was told to send documents for further verification received no phone call or no letter no nothing about this! Who approves someone for a card and then ask for verification after the fact. So backwards!
Credit Limits Seem To Be A Secret
CK scores of 713 Equifax and 695 Trans Union; Vantage score of 709. Have a Ch 13 BK in 2011 that is 6 months away from being paid off. Have a $1K secured USAA AMEX, a $400 Ulta and a $500 Beall's. Was denied a Barclay MC. Applied for a Capital One Quicksilver and the online site just stopped at processing screen, so still not sure of status. Applied online for NM and received instant approval. Created an online account and nowhere was my CL listed. Called customer service and was advised that CL is $2K.
The best card for the best things!
I was initially turned down when I applied for this card, but that was before I making money and handled my finances responsibly. Started with a small CL, but after six months of making monthly payments on time, CL requests through them have been hassle free and they don't even do a hard pull each time I requested one! I'm a happy camper with my Neiman Marcus and Capital One relationship!