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Macy's After Bk Chapter 7

Valued Member

Macy's After Bk Chapter 7

Has anyone obtained a Macys Charge after bankruptcy. Even if Macy's was included. Just really curious. I tried searching for the answer but I can't find anything definite to what I want to know. 

Thanks in advance!!


Current Score: Equifax Fico Score: 595 Transunion fico Score 619 -- Goal 720
Chapter 7 BK filed November 2013 / Discharged February 2014
CapitalOne- Quicksilver - $1500 / Cap 1 Secured: $710 / Merrick Bank- $700 / Walmart $300 / Target $300 / New York & Co $550 / The Limited $250 / Buckle $250 / Fingerhut $750 / Firestone $800
Message 1 of 8
7 REPLIES
Community Leader
Super Contributor

Re: Macy's After Bk Chapter 7

They are not BK friendly especially if you included them. Depends how far out from BK you are too. I tried recently and was denied and the letter I got was " an previous account had been included in a bankruptcy", and past creditor obligations etc..... Macy's is rough to get back after bK especially if they were included, but as always ymmv thing.
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Message 2 of 8
Valued Member

Re: Macy's After Bk Chapter 7

Thanks for the response, I will give up on that then. I really wanted them back but oh well! 


Current Score: Equifax Fico Score: 595 Transunion fico Score 619 -- Goal 720
Chapter 7 BK filed November 2013 / Discharged February 2014
CapitalOne- Quicksilver - $1500 / Cap 1 Secured: $710 / Merrick Bank- $700 / Walmart $300 / Target $300 / New York & Co $550 / The Limited $250 / Buckle $250 / Fingerhut $750 / Firestone $800
Message 3 of 8
Member

Re: Macy's After Bk Chapter 7

Macy's uses American express for their financing and American Express is not bankruptcy friendly at all... my bankruptcy is discharged but my Macy's card is still open but they will close it someday.

Message 4 of 8
Community Leader
Senior Contributor

Re: Macy's After Bk Chapter 7

They may have an AMEX branded card but the UW is done by department stores national bank, not AMEX.
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 5 of 8
Member

Re: Macy's After Bk Chapter 7

let me rephrase that Macy's DEPARTMENT STORES NATIONAL BANK  uses  AMERICAN EXPRESS® CREDIT CARD . I applied for Macy's card and received an (macy's) american express card. 

Message 6 of 8
New Visitor

Re: Macy's After Bk Chapter 7

minimum of 600 and pulls experian probaly $100 limit also u need to have a regular credit card prior to applying

Message 7 of 8
Highlighted
Community Leader
Senior Contributor

Re: Macy's After Bk Chapter 7


keem99 wrote:

let me rephrase that Macy's DEPARTMENT STORES NATIONAL BANK  uses  AMERICAN EXPRESS® CREDIT CARD . I applied for Macy's card and received an (macy's) american express card. 


Just because the card has an AMEX logo does not mean it is underwritten or issued by AMEX. For example, Barclay's has an AMEX branded card but is underwritten and issed by Barclay's Bank. Macy's also has a store card with NO AMEX logo on it. Not trying to argue, just putting correct info where it belongs.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 8 of 8