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Valued Member
Posts: 27
Registered: ‎04-12-2007
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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: 580 Goal 620
Filed Chapter 7 Bankruptcy 11/18/13 (Discharged 2/20/14)
Post Bk 7 Credit Cards/Accounts
Capital One: $400 - 2/26/14
Quicksilver One: $500
Fingerhut - $230 (Fresh Start) 2/26/14
Valued Contributor
Posts: 2,795
Registered: ‎07-17-2013
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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:08/19/13~FICO-400's)--->01/2015 EQ 640,EX 666,TU 657
$129,930 avail credit- plus a $15k LOC
Total revolving credit reporting is 1%
Valued Member
Posts: 27
Registered: ‎04-12-2007
0

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: 580 Goal 620
Filed Chapter 7 Bankruptcy 11/18/13 (Discharged 2/20/14)
Post Bk 7 Credit Cards/Accounts
Capital One: $400 - 2/26/14
Quicksilver One: $500
Fingerhut - $230 (Fresh Start) 2/26/14
Member
Posts: 11
Registered: ‎07-18-2014
0

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.

Valued Contributor
Posts: 1,979
Registered: ‎07-12-2012
0

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
704 EQ FICO 03/2015
718 TU FICO 03/2015
679 EX FICO 03/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Member
Posts: 11
Registered: ‎07-18-2014
0

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. 

New Visitor
Posts: 4
Registered: ‎07-19-2014
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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

Valued Contributor
Posts: 1,979
Registered: ‎07-12-2012
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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
704 EQ FICO 03/2015
718 TU FICO 03/2015
679 EX FICO 03/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
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