Credit Card Center Advertiser Disclosure

New Visitor
Posts: 3
Registered: ‎03-28-2017
0 Kudos

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 

Established Contributor
Posts: 857
Registered: ‎01-15-2017
0 Kudos

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. 

Valued Contributor
Posts: 1,064
Registered: ‎02-11-2016
0 Kudos

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)

August'17: EX 695 | TU 707 | EQ 654 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 16 | 24 | 27 (last 6 months:
5 | 2 | 6)
AMEX Delta: $10k, Discover IT: $6.7k, AMEX BCE: $6k, Marvel: $8k, Target MC: $5k, PayPal 2%: $3.5k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.

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.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.