Questin about Neiman Marcus store credit

[Yelena]

I recently got offered the Neiman credit card (Neiman Marcus store card), and I'm wondering what comes with it. Does anyone know the credit requirements for approval? I'm curious about credit score guidelines, any annual fees, and perks like rewards or extended returns.

 

[Ethan R 84]

That's a pretty attainable get. People often report approvals with credit scores in the high 600s. There's no annual fee, which is a nice bonus. Its main perk is the InCircle rewards program where you earn points toward store gift cards and other benefits. Are you a frequent shopper there or are you mainly lookin' to build your credit profile with a retail card?

 

[Trustee25]

There's no annual fee, which is nice, and you earn points on purchases that can actually add up if you're buying higher end stuff. Perks get better the more you spend, like faster shipping and some bonus rewards

 

[Sea-Heron6345]

That's a pretty attainable get. People often report approvals with credit scores in the high 600s. There's no annual fee, which is a nice bonus. Its main perk is the InCircle rewards program where you earn points toward store gift cards and other benefits. Are you a frequent shopper there or are you mainly lookin' to build your credit profile with a retail card?

Thanks for the info! do InCircle points expire, or can they build up over time? Does it report to all three bureaus like other retail cards?

 

[Ethan R 84]

Thanks for the info! do InCircle points expire, or can they build up over time? Does it report to all three bureaus like other retail cards?

InCircle points do expire but you get about a year to use them before they start to roll over at a reduced rate. As for credit reporting, the card is issued by Capital One, so it should report to all 3 bureaus like their other retail accounts. Are you planning to use it mainly for purchases or more for credit building? That might help figure out how to time your spend.

 

[financialfresh5tart]

Okay, that sounds right. Just so you know, those points are only good for a year. And yeah, Capital One should let all three credit bureaus know.