This page on how to get a Neiman Marcus credit card will provide you with information on the credit card available through the store. You will learn how to go about applying for the card, what the benefits are of having a Neiman Marcus credit card and what the terms and conditions are that come with the card.

In 1907 Neiman Marcus started out as an upscale women's clothing store. The first Neiman Marcus store was opened in Dallas, Texas by Herbert Marcus, his sister Carrie, and her husband, Al Neiman. All three were working dead end jobs in the retail industry, when out of frustration they decided to start their own store. Neiman Marcus was successful because of the quality of the goods they sold. In 1928 men's clothing was added to the store's inventory and during 1951 the company started expanding by opening another store in Houston. Today Neiman Marcus sells brands to likes of DKNY, Calvin Klein]], [[Kate Spade, Versace, Yves Saint Laurent, Burberry and Vera Wang just to name a few. You can find 41 Neiman Marcus Stores spread throughout the United States and 28 Neiman Marcus Last Call clearance centers.http://www.fundinguniverse.com/company-histories/The-Neiman-Marcus-Group-Inc-Company-History.html http://www.neimanmarcus.com/store/catalog/templates/designerIndex.jhtml?itemId=cat000730&parentId=cat000000&siloId=cat000730&navid=topNavcat000730

If you enjoy shopping at Neiman Marcus and would like to get rewarded for doing so, the Neiman Marcus credit card might be the answer. This store credit card comes with many benefits and as with all credit cards, it comes in handy when you don't have cash readily available. Even though store credit cards are known to have high interest rates and leave an inquiry on your credit report, many people apply because the benefits are too tempting. Other reasons why people apply for store credit cards include the fact that it's a way to build credit and store credit card applications are easier to get approved for than other credit cards.http://www.jsnet.org/news-article/pros-and-cons-of-store-credit-cards/

If you want to apply for a Neiman Marcus credit card there are several steps you should take. Below you will find more information on these steps.

WHERE TO APPLY: So you've decided to apply for a Neiman Marcus Store credit card. The first thing you should do is look at the various ways you can apply. You can apply for a Neiman Marcus card through the following avenues:

• ■ you can apply for a credit card in the physical Neiman Marcus store.
• ■ you can apply by filling out the online Neiman Marcus card application.
• ■ you can apply for a Neiman Marcus card by printing out the online application and mailing it to:

• The Neiman Marcus Group, Inc.
• P.O. Box 720937
• Dallas, TX 75372-0937

For any question about the credit card and the credit card process you can also contact a Neiman Marcus customer service representative at (800)-685-6695.https://www.esnapw.com/rses/ESnapServlet;jsessionid=0001DUqVMXBBr4lGOzq3LAkFR1j:12vjlg76s

HOW TO APPLY: The actual Neiman Marcus application requires that you answer several personal, financial and employment questions. All your information remains confidential and the online application is fully secured. However, because some people don't trust the Internet, Neiman Marcus also accepts applications by mail. Some of the applicant's information requested on the application includes:

• ■ full name, address and phone number
• ■ social security number
• ■ date of birth
• ■ email address
• ■ weekly, yearly or monthly income

Besides providing this information you will also have to agree to the terms and conditions set by the card issuing bank, in this case HSBC Bank Nevada.https://www.esnapw.com/rses/ESnapServlet?MerchantNumberSent=000507&MerchantReturnLink=window.close%28%29

Store credit cards often come with tempting benefits that persuade the consumers to apply for them. The Neiman Marcus store credit card is no different. Once you are approved for a Neiman Marcus card you automatically become an 'Incircle' member. There are several levels to the Incircle membership benefits. The level you fall into is decided by your annual spending on your Neiman Marcus credit card. Following are the benefits and levels that are available:

Circle One: (annual spending: $0 - $2,499)

• ■ Enjoy exclusive shopping events and membership offers.
• ■ You will get notified ahead of time of sales and events.
• ■ You get one point for every dollar spend.

Circle Two: (annual spending: $2,500 - $9,999) This level enjoys the same benefits as Circle One plus:

• ■ You get a $25 perks card to spend on in-store dining, alterations, parking etc.
• ■ You get to choose one day when your points are doubled.
• ■ Purchases over $25 are gift wrapped free of charge.
• ■ You will receive the book of Bergdorf Goodman magazine.
• ■ You will receive the Incircle entree magazine

Circle Three: (annual spending: $10,000 - $34,999) This level enjoys the same benefits as Circle Two except the perks card for this level is $50. You will also get:

• ■ Access to exclusive specialists for tickets, dining, travel and more.
• ■ Even more exclusive offers and gifts.

Circle Four: (annual spending: $35,000 - $74,999) This level enjoys the same benefits as Circle Three except the perks card for this level is $100. You will also get:

• ■ You can redeem points for exclusive gifts, experiences and travel.

President's Circle:' (annual spending: $75,000 - $599,999) This level enjoys the same benefits as Circle Four except the perks card for this level is $150 and instead of 1 point per dollar spend you get 5 points per dollar spend. You will also get:

• ■ Custom designed travel and experiences that you can redeem with points.
• ■ Private shopping events outside of regular store hours.http://www.incircle.com/store/catalog/templates/Entry.jhtml?itemId=cat103411&parentId=cat103410&parentId=cat000001&icid=points1

Chairman' s Circle: (annual spending $600,000+) This level enjoys endless possibilities and extraordinary benefits.http://www.incircle.com/store/catalog/templates/Entry.jhtml?itemId=cat103411&parentId=cat103410&parentId=cat000001&icid=points1

Keep in mind that the moment you are approved for a Neiman Marcus card you start building points. Just for being approved you get awarded with 2000 points. the Neiman Marcus credit card also offers online account management.http://www.neimanmarcus.com/store/catalog/templates/F0.jhtml?itemId=cat18480743

HSBC Bank Nevada has set terms and conditions that the applicant has to agree upon when applying for the Neiman Marcus credit card. If you don't agree with their terms and conditions your application will not be able to be processed. The bank basically wants to make sure that you are aware of any charges and fees that you might get charged with. They want you to fully be aware of the interest rate and by agreeing you let them know that you are aware of the terms and conditions. the terms and conditions can also give you and idea of how expensive the card will be. This way you can calculate if you can afford it. Remember if you fill out the online or in-store credit card application you will be instantly approved. If you are not approved you will receive a letter in the mail with the reasoning behind this. Following are the key terms and conditions for the Neiman Marcus credit card:

1. Annual Percentage Rate (APR): 23.99%.
2. Annual Fee: $0.
3. Minimum Finance Charge: $0.50
4. Late payment fee: $19 - $39 depending on balance.https://www.esnapw.com/rses/ESnapServlet;jsessionid=0001DUqVMXBBr4lGOzq3LAkFR1j:12vjlg76s

You will not be charged any interest if you pay your balance in full before the due date. Also keep in mind that during the application process, HSBC Bank Nevada can request documentation that identifies the person applying.