(Closed) Buying Dress from Nordstrom, should I get the CC?

posted 4 years ago in Money
Post # 2
Member
459 posts
Helper bee
  • Wedding: July 2017

I did it when I bought a formal dress from them. They have a debit card option as well (which is what I did to avoid a credit inquiry). 

Post # 3
Member
27 posts
Newbee
  • Wedding: June 2017

Congratulations on finding your dress! Hayley Paige’s dresses are BEAUTIFUL, and I’m sure you look fabulous in it!

I have the Nordstrom debit card, not the credit card, and if Nordstrom had carried my gown, I absolutely would have used my Nordstrom debit card to purchase it (the debit card just links to my checking account at my bank, so it gives you all the perks of the Nordstrom credit card without actually purchasing anything on credit). As a Nordstrom cardholder, you can pick any one day of the year to be your Triple Points Day, and on that day you earn a $20 Nordstrom Note (basically a Nordstrom gift card) for every $300 or so that you spend.

So, if you make the day you purchase your gown your Triple Points Day, you can then turn around and spend those Nordstrom Notes on your alterations. It ends up being like getting a free alterations credit IF you plan on having Nordstrom do your alterations. If you don’t want them to do your alterations, though, and you don’t shop there often it probably won’t make a huge difference to you.

Nordstrom also now offers a cardless rewards option, but they only give you 1 point per dollar and you need 2,000 points to earn a $20, so probably not worth it for your situation. Hope this was helpful–good luck!!

Post # 4
Member
9207 posts
Buzzing Beekeeper

View original reply
msfiona :  I would go credit – using debt cards is a bad idea. If your credit card number gets stolen it’s a hassle, if a debit card number gets stolen the thieves empty your bank account and can really screw you. 

Post # 5
Member
398 posts
Helper bee

I just got the credit card but idk how I would feel about using it for such a big purchase since there is a considerably high interest rate for purchases. Would you just be buying it with your card to save yourself the alterations fee? Can you pay it off immediately? I would look into that bc a wedding dress interest fee might be high if your paying the card off every month instead of upfront

Post # 10
Member
279 posts
Helper bee

I got the debit card a while ago and I like it a lot.  I recommend it.  

Post # 11
Member
533 posts
Busy bee
  • Wedding: July 2016

 

View original reply
msfiona :  Where are you located? Depending on where you’re at you could speak to different boutiques about the discounts they offer for HP dresses. Haute Bride in Los Gatos carries her dresses as well and the Flagship on Robertson does as well and they work directly with her. 

Post # 12
Member
1516 posts
Bumble bee

I have the Nordstrom CC and I absolutely love it.  It’s my main cc that I use all the time for anything I need to use the card for (gas, groceries, shopping, etc). I LOVE the nordstrom notes I get and use it all the time for my own personal use or when I buy gifts for people. I definitely used my card when we bought my mother’s MOB dresses and all of the alterations for her gowns were free as a result (I believe we saved almost $300).   By the end of my wedding I had about $500 of Nordstrom Notes to spend and I was able to go on a shopping spree (retail therapy) which was fantastic after the stress of the wedding.  

Having the Nordstrom cc is great. In all my years of having ccs from many different companies, out of all of them Nordstrom consistently has the best customer service and the way they handle your interest payments is much better than all of my other ccs.  I do shop at Nordstrom regularly for make-up and clothes (including my DH’s clothes) and gifts for Xmas/Bdays so getting those Notes have definitely saved me a lot of money.

Post # 13
Member
4788 posts
Honey bee
  • Wedding: September 2012

View original reply
msfiona :  Just FYI – it might be a good idea to start using a credit card for some of the purchases you pay for with a credit card – it will allow you to build a good credit record, which will be a huge benefit for car loans, mortgages, or anything else with variable interest rates or loans. I use my CC just like a debit card and simply pay it off in full each month. (Rewards are nice, too, if you’re going to spend the money anyway!)

Post # 14
Member
8434 posts
Bumble Beekeeper
  • Wedding: April 2013

I use a credit card for all of my purcahses (clothes, gas, groceries, going out, etc) and just pay it off at the end of each month.  If it’s coming out of your money no matter what, may as well earn points or cashback or something.

Post # 15
Member
331 posts
Helper bee
  • Wedding: October 2016

Yes, if it’s where you want to buy your dress anyway, definitely get either the debit or credit card. If you do the debit card, you can always just cancel it after your fittings are done if you’re worried about risks of leaving it open.

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