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macys credit approval odds (employee aswell)

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macys credit approval odds (employee aswell)

hey so i wanna apply for a macys card i kinda dont care about the limit being high but what are my chances ive inly had credit for 3 months and a score of 668 around there nd since i work there ill be getting all perks and discounts and will help my credit ratio since i mostly use my capital one and discover cards all the time and wont be using the macys for chronic spending but to get something here and there , also idk if i hould do it in person some say u get a higher limit but it also benefits them as a store and the employee gets a dollar from the register for having me apply where as if i do myself online nothing will happen ? and there they tell u on the spot 

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Valued Contributor

Re: macys credit approval odds (employee aswell)

I worked partime for pocket money for Macys probably 25 years ago one Christmas.  Then to get the employee discount you had to use your employee macy's card.  As a part timer mine had a super low limit.  My regular Macys card had a normal limit. Back then if you worked for Macy's you just told them you needed an employee card and you got one.  Because   of discount and sales I spent as much as I made.   It was fun. 

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Valued Contributor

Re: macys credit approval odds (employee aswell)

In my experience; store cards are more likely to be approved at the register.

Where is that score from? What bureau and is it an actual FICO?

I got Macy's with a $600 limit when I still had 2 judgments and a collection. And maybe 600-630 scores (I can't remember which bureau they pulled)
11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.
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