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Established Member
butter1
Posts: 23
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: 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
pizza1
Posts: 1,231
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.
BK 7 D/C: 08/19/13~FICO-400's---> 09/14~EQ 620,EX 641,TU 650
NFCU loc-$15k|NFCU visa-$10k|Barclays-$2.8k|Cap one $2k|Wmart-$750|JCP-$1k|Jcrew-$4,250|Loft-$700|Gap-$200|76 gas-$300|Amazon store-$700
Established Member
butter1
Posts: 23
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
New Member
keem99
Posts: 9
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
Scupra
Posts: 1,383
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
692 EQ FICO 09/2014
680 TU FICO 09/2014
671 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver
New Member
keem99
Posts: 9
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
mikezymes12
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

Valued Contributor
Scupra
Posts: 1,383
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
692 EQ FICO 09/2014
680 TU FICO 09/2014
671 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver

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