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Nordstrom Credit Card Application

If approved, you can sign in to access your card

online and start shopping right away.
Plus, get a $40 bonus Note when you make any
purchase with us on your new Nordstrom card the
day you're approved.
Earn 2 points per dollar spent online and in stores at
Nordstrom, Nordstrom Rack, HauteLook and Trunk
Club.
Receive a $20 Note to spend for every 2,000 points
earned.
24/7 Nordstrom customer service.

You must be 18 years or older to apply (19 in Alabama and Nebraska; 21 in

Mississippi and Puerto Rico).

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW

ACCOUNT
To help the government fight the funding of terrorism and money laundering activities,
Federal law requires all financial institutions to obtain, verify and record information
that identifies each person who opens an account. What this means for you: When
you open an account, we will ask for your name, address, date of birth and other
information that will allow us to identify you. We may also ask to see your driver's
license or other identifying documents.

CONTACT INFORMATION
First Name:Adriana MI:I Last Name:Ramirez Suffix:
Address 1:7115 Etiwanda ave
Address 2:Ubitb15
ZIP Code:91335 City:ResedaReseda State: CA
Time at Address:2-6 years
Send my card and statements to a different address:No

SECURE PERSONAL INFORMATION

Social Security Number:939914859 Date of Birth:05/04/1991
Employer:
Annual Income:$40,000
Federal law requires us to review and consider annual income when processing your application. Please note that alimony, child support, or
separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

ID Type:Driver's License ID Number:Y8294754

State:CA ID Expiration:05/22
Email Address:adrei7@outlook.es Confirm Email
Address:adrei7@outlook.es
By providing your email address, you are consenting to receive
marketing updates from Nordstrom at your email address. To apply
without an email address, please visit a Nordstrom store.
By providing a cell phone number, you authorize Nordstrom Card
Services to reach you using text messages and automated/pre-recorded
calls in reference to your account. Message and data rates may apply.
Phone Number:8188094889 Type:Cell

NORDSTROM CREDIT CARD ACCOUNT OPENING

DISCLOSURE TABLE APR, FEE AND OTHER IMPORTANT
INFORMATION

Interest Rates and Interest Charges

Annual Percentage 24.40% This APR will vary with the market based on
Rate (APR) for
Nordstrom Purchases the Prime Rate.

31.40%

This APR will vary with the market based on the Prime
Rate.

Penalty APR and This APR may be applied to your account if your
When It Applies minimum payment is not received within 60 days of
your due date.
How Long Will the Penalty APR Apply? If your APRs
are increased for this reason, the Penalty APR will
apply until you make six consecutive minimum
payments when due.

Your due date is at least 25 days after the close of each

How to Avoid Paying billing cycle. We will not charge you interest on
Interest on Purchases
purchases if you pay your entire balance by the due
date each month.

Minimum Interest If you are charged interest, the charge will be no less
Charge
than $0.50.

To learn more about factors to consider when

For Credit Card Tips
from the Consumer applying for or using a credit card, visit the website
Financial Protection
Bureau
of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee None

Penalty Fees Up to $38.

Late Payment
Returned Payment Up to $25.

How We Will Calculate Your Balance:

We use a method called "daily balance." See Cardholder Agreement in the
link below for more details.
Billing Rights:
Information on your rights to dispute transactions and how to exercise those
rights is provided below and in your Cardholder Agreement.
Notice to Members of the Armed Forces and their Dependents:
Federal law provides important protections to members of the Armed Forces
and their dependents relating to extensions of consumer credit. See your
Cardholder Agreement for more details. You may also call 1.888.246.8731.
Notice:
We may report information to credit bureaus about this account with
respect to all approved applicants and all authorized users. Late
payments, missed payments, or other defaults on this account may be
reflected in your credit report and that of your authorized user's credit
report. If you do not want the status of this account to be reported to
your authorized user's credit bureau file, do not list an authorized user.
The information about the costs of the cards described in this application is
accurate as of April 16, 2018. This information may have changed after that
date. To find out what may have changed, please call us at 1-800-964-1800
or write to us at Nordstrom, P.O. Box 6555, Englewood, CO 80155-6555.
NORDSTROM VISA PLATINUM® AND NORDSTROM
VISA SIGNATURE® ACCOUNT OPENING
DISCLOSURE TABLE APR, FEE AND OTHER
IMPORTANT INFORMATION

Interest Rates and Interest Charges

12.40% to 24.40% when you open your account,

Annual Percentage
Rate (APR) for based on your creditworthiness. After that, your
Nordstrom
Purchases
APR will vary with the market based on the Prime
Rate.

16.40% to 24.40% when you open your account,

APR for Non- based on your creditworthiness. After that, your
Nordstrom
Purchases APR will vary with the market based on the Prime
Rate.

28.40%
APR for Cash
Advances
This APR will vary with the market based on the
Prime Rate.

31.40%

This APR will vary with the market based on the

Prime Rate.

Penalty APR and This APR may be applied to your account if your
When It Applies minimum payment is not received within 60 days
of your due date.
How Long Will the Penalty APR Apply? If your
APRs are increased for this reason, the Penalty
APR will apply until you make six consecutive
minimum payments when due.

Your due date is at least 25 days after the close of

each billing cycle. We will not charge you interest
on purchases if you pay your entire balance by
Paying Interest
the due date each month. We will begin charging
interest on cash advances on the transaction
date.

Minimum Interest If you are charged interest, the charge will be no

Charge
less than $0.50.

To learn more about factors to consider when

For Credit Card Tips
from the Consumer
Financial Protection
Bureau
applying for or using a credit card, visit the
website of the Consumer Financial Protection
Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee None

Transaction Fees Either $10 or 5% of the amount of each cash

Cash Advance advance, whichever is greater.

Penalty Fees
Late Payment Up to $38.
Returned Up to $25.
Payment

How We Will Calculate Your Balance:

We use a method called "daily balance." See Cardholder Agreement in the
link below for more details.
Billing Rights:
Information on your rights to dispute transactions and how to exercise those
rights is provided below and in your Cardholder Agreement.
Notice to Members of the Armed Forces and their Dependents:
Federal law provides important protections to members of the Armed Forces
and their dependents relating to extensions of consumer credit. See your
Cardholder Agreement for more details. You may also call 1.888.246.8731.
Notice:
We may report information to credit bureaus about this account with
respect to all approved applicants and all authorized users. Late
payments, missed payments, or other defaults on this account may be
reflected in your credit report and that of your authorized user's credit
report. If you do not want the status of this account to be reported to
your authorized user's credit bureau file, do not list an authorized user.
The information about the costs of the cards described in this application is
accurate as of April 16, 2018. This information may have changed after that
date. To find out what may have changed, please call us at 1-800-964-1800
or write to us at Nordstrom, P.O. Box 6555, Englewood, CO 80155-6555.
When you submit a credit card application, you are applying for a Nordstrom
credit card issued by TD Bank USA. In some instances applicants may qualify
for a Nordstrom retail card, as well as either a Nordstrom Visa Platinum card
or Nordstrom Visa Signature card. In that case the applicant may choose
which credit card product they would like. In other instances, applicants may
qualify for only the Nordstrom retail credit card. The credit card product(s) TD
Bank USA offers will be based on your creditworthiness. The Visa Signature
and Platinum cards have the same terms and conditions; however, the Visa
Signature card comes with added Visa Signature benefits explained at
visasignature.com.

California Residents: If you are married, you may apply for credit in your
own name.
Florida Residents: I agree that, should TD Bank obtain a judgment against
me, a portion of my disposable earnings may be attached or garnished (paid
to TD Bank by my employer), as provided by Florida and federal law.
Maine Residents: We may obtain a consumer report in connection with your
application for credit. You may ask whether a consumer report was obtained
by us, and we will tell you the name and address of the consumer reporting
agency, if a report was obtained.
New Hampshire Residents: I understand that reasonable attorneys' fees will
be awarded to me if I prevail in any action or suit brought by TD Bank. Also, if
I successfully assert a partial defense or counterclaim to an action brought by
TD Bank, the court may withhold from TD Bank the entire amount or such
portion of the attorneys' fees as the court considers equitable.
New Jersey Residents: Because certain provisions of this Agreement are
subject to governing law, they may be void, unenforceable or inapplicable in
some jurisdictions. None of these provisions are void, unenforceable or
inapplicable within New Jersey.
New York Residents: New York residents may contact the New York State
Department of Financial Services by telephone or visit its website for free
information on comparative credit card rates, fees, and grace periods. New
York State Department of Financial Services: 1.800.342.3736 or
http://dfs.ny.gov.
Ohio Residents: The Ohio laws against discrimination require that all
creditors make credit equally available to all creditworthy customers and that
credit reporting agencies maintain separate credit histories on each individual
upon request. The Ohio Civil Rights Commission administers compliance with
this law.
Rhode Island and Vermont Residents: A consumer credit report may be
ordered in connection with this application, or subsequently for purposes of
review or collection of the account, increasing the credit line on the account,
or other legitimate purposes associated with the account. If you are a
Vermont resident, you consent to the obtaining of such reports by signing or
otherwise submitting a credit application.
Wisconsin Residents: No provision of a marital property agreement, a
unilateral statement under section 766.59 Wis. Stats, or a court decree under
section 766.70 Wis. Stats. adversely affects the interest of the creditor unless
the creditor, prior to the time credit is granted, is furnished a copy of the
agreement, statement or decree or has actual knowledge of the adverse
provision when the obligation to the creditor is incurred. Married Wisconsin
residents must furnish their account number and spouse’s name and address,
to Nordstrom at P.O. Box 6555, Englewood, CO 80155-6555.
APPLICANT'S AGREEMENTS; CREDIT INVESTIGATION AND REPORTING
Cards are issued and credit is extended by TD Bank USA, N.A., ("TD Bank")
a national bank with its main office located in Delaware ("we," "us" or "our").
By submitting this application online you are applying for a credit card issued
by TD Bank and consent to our investigation of your credit, employment and
income records and verification of your credit references. You authorize us to
conduct such investigations and verifications as we deem appropriate in
evaluating this application. You understand and agree that we may request a
consumer report in connection with any extension of credit, or request to
increase your credit limit, or any update, renewal, review or collection of your
account. You hereby authorize TD Bank, in its sole discretion, to furnish
information concerning your account to consumer reporting agencies and
others who may properly receive such information.
By clicking "Agree & Apply" below, you acknowledge that you have been
provided access to print and/or save to a location of your choice a copy of the
Nordstrom Credit Card Agreement (the "Agreement") governing your credit
card account (see link below), and you agree to the terms and conditions
stated therein, and the Agreement is hereby incorporated by reference; you
hereby authorize us, in our sole discretion, to furnish information concerning
your account to consumer reporting agencies and others who may properly
receive such information; you represent and warrant to us that the information
you have furnished to us in making this application for credit is complete and
correct; and you acknowledge and agree that you are providing, and you
direct the recipient to provide, information from your application (and updates
you provide to this information) to both TD Bank for its credit card banking
purposes, and to Nordstrom, Inc. for its retail purposes.
Approved applicants are automatically enrolled in the Nordstrom Rewards
Program. By activating or using your Nordstrom account, you agree to the
Nordstrom Rewards Terms and Conditions as they may change from time to
time.
CONSENT TO ELECTRONIC DELIVERY OF DISCLOSURES
By clicking "Agree & Apply" you consent to receive the following disclosures
associated with this application electronically: the Nordstrom Credit Card
Agreement; Nordstrom Rewards Terms and Conditions; Nordstrom Credit
Card Privacy Notice; Account Opening Disclosures; and this completed
application (collectively "Electronic Disclosures"). In order to receive the
Electronic Disclosures, you must have a personal computer, mobile device, or
other equipment equipped with a 128-bit JavaScript enabled browser, Internet
access, and Adobe Reader®. In order to store or print the Electronic
Disclosures, you need to have a printer connected to your computer, mobile
device, or other equipment, a hard drive or disk drive connected to your
computer, or a mobile device capable of storing the Electronic Disclosures.
You hereby agree that the device that you are using to access this application
has the ability to access and print and/or save to a location of your choice
PDF versions of the Electronic Disclosures (including the Nordstrom Credit
Card Agreement, and Nordstrom Credit Card Privacy Notice below). You may
withhold consent to receive these Electronic Disclosures by clicking "Cancel."
If you withhold consent to receive the Electronic Disclosures, TD Bank USA,
N.A. will not process your request for a Nordstrom credit card account online.
Your consent applies only to this online application and the Electronic
Disclosures.
If you do not print and/or save the Electronic Disclosures prior to terminating
this online session, you will lose electronic access to the Electronic
Disclosures. You may contact us at the number on the back of your card, and
we will provide you with a paper version of the Electronic Disclosures at no
cost.
When you submit a credit card application, you are applying for a Nordstrom
credit card issued by TD Bank USA. In some instances applicants may qualify
for a Nordstrom retail card, as well as either a Nordstrom Visa Platinum card
or Nordstrom Visa Signature card. In that case the applicant may choose
which credit card product they would like. In other instances, applicants may
qualify for only the Nordstrom retail credit card. The credit card product(s) TD
Bank USA offers will be based on your creditworthiness. The Visa Signature
and Platinum cards have the same terms and conditions; however, the Visa
Signature card comes with added Visa Signature benefits explained at
visasignature.com.

Nordstrom Credit Card Agreement 05/01/2018 03:17:23 AM Pacific

Nordstrom Credit Card Privacy Notice

CLICK HERE TO PRINT THIS PAGE

Some important information about your Nordstrom credit

card:

Nordstrom credit cards are issued

by TD Bank USA, N.A.; subject to
approval.
Nordstrom Card Services, a wholly
owned subsidiary of Nordstrom, is
TD Bank USA, N.A.'s service
provider for the Nordstrom Credit
Card program.
Nordstrom Credit Card Agreement
Nordstrom Credit Card Privacy
Notice
Nordstrom Rewards Cardholder
Terms & Conditions
©2017 Nordstrom