Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 29
Registered: ‎04-12-2007
0

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
Super Contributor
Posts: 8,339
Registered: ‎07-17-2013
0

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.
(BK7-08/2013/FICO-400's)---> 06/20/16- EQ-669 TU-670 EX-681

PF & Alliant on my list in 2017
Avail credit- $235.5k
Valued Member
Posts: 29
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: 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
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.

Community Leader
Senior Contributor
Posts: 4,403
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
730 EQ FICO 08/2016
735 TU FICO 08/2016
744 EX FICO 08/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $6.2k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa
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
0

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

Community Leader
Senior Contributor
Posts: 4,403
Registered: ‎07-12-2012
0

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 08/2016
735 TU FICO 08/2016
744 EX FICO 08/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $6.2k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.