Credit Cards Center Credit cards from our partners
Reply
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Macy's CLI with SP!

Ok so after reading about the other thread regarding Macy's CLI, I figured I'll give it a shot again.

Made the call, had to interact with the stupid automatic system to waste a few minutes, and finally got to talk to a live person.

She sounded really nice, and I'm guessing I might be in luck for a CLI. 

 

I asked for a soft pull specifically, but she didn't quite get what I meant. So I just said I don't want a hard inquiry done no matter what, even if it means no CLI.

She noted that it's been almost a year since I put any charges on the card and I told her I was planning to buy a mattress or some furniture soon which is why I needed a CLI.

I was put on hold while she talked to the supervisor, and then she went ahead and asked how much increase I wanted, and all the income related questions.

 

I asked for 5000, but got counteroffered and said that's the max she can do without an inquiry. So my Macy's increased from 100 to 3500. It's a very nice increase if you compare it to my original limit, but it's low compared to my other CLs. I'm happy though, since I don't use that card. I might just buy something cheap and then leave the card alone again for a year or so.

 

I tried to ask for a CLI for my bloomingdale's account as well, since they're the same company. However I am not qualified for any since my last CLI was done Jan'13. 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Community Leader
Senior Contributor
Posts: 27,607
Registered: ‎02-07-2013
0

Re: Macy's CLI with SP!


enharu wrote:

Ok so after reading about the other thread regarding Macy's CLI, I figured I'll give it a shot again.

Made the call, had to interact with the stupid automatic system to waste a few minutes, and finally got to talk to a live person.

She sounded really nice, and I'm guessing I might be in luck for a CLI. 

 

I asked for a soft pull specifically, but she didn't quite get what I meant. So I just said I don't want a hard inquiry done no matter what, even if it means no CLI.

She noted that it's been almost a year since I put any charges on the card and I told her I was planning to buy a mattress or some furniture soon which is why I needed a CLI.

I was put on hold while she talked to the supervisor, and then she went ahead and asked how much increase I wanted, and all the income related questions.

 

I asked for 5000, but got counteroffered and said that's the max she can do without an inquiry. So my Macy's increased from 100 to 3500. It's a very nice increase if you compare it to my original limit, but it's low compared to my other CLs. I'm happy though, since I don't use that card. I might just buy something cheap and then leave the card alone again for a year or so.

 

I tried to ask for a CLI for my bloomingdale's account as well, since they're the same company. However I am not qualified for any since my last CLI was done Jan'13. 


Congrats

+ Chase ink =




Established Contributor
Posts: 720
Registered: ‎09-12-2011
0

Re: Macy's CLI with SP!

That's an excellent CLI - congratulations!  Go buy your wife/gf something nice in the jewelry department!!  Smiley Very Happy

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 809 3/4/15; EX08 812 3/8/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $11.6K; Citi Simplicity Visa $23.3K; Discover IT $26.5K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Macy's CLI with SP!

That's some increase! I have to say...it's about time! I was tired of seeing that $100 CL! Lol!

Congrats!
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Macy's CLI with SP!

Very nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Senior Contributor
Posts: 3,947
Registered: ‎10-02-2012
0

Re: Macy's CLI with SP!

Success!!!

Secured: Non Secured:
(EQ FICO 614) (EX FICO 631) (TU FICO 628) Gardening Since 08/15/15 For All 3 Credit Bureaus
New Visitor
Posts: 25
Registered: ‎04-05-2013
0

Re: Macy's CLI with SP!

I had the same thing from them.They wouldnt pass 3500 without hp

Great increase enharuSmiley Happy

Super Contributor
Posts: 6,965
Registered: ‎05-23-2009
0

Re: Macy's CLI with SP!

Congrats!!!! Smiley Happy You should go for Macy's Amex.

 

 

Ron.

Contributor
Posts: 214
Registered: ‎03-25-2013
0

Re: Macy's CLI with SP!

Congrats







Amex BCE $14k (backdated to 1/11), Chase Freedom $500 (11/2012)
Discover It Student $3k (3/13), Citi Dividend Platinum Visa $3k (3/13)
Capital One Cash Rewards Visa $3.5k (3/13)
Starting Score 3/20/13 - TransUnion FICO 758 - Goal Score 800
New Visitor
Posts: 25
Registered: ‎04-05-2013
0

Re: Macy's CLI with SP!

Macys Amex

Annual spend min 1k

6 months of account history

No guarateed approval

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 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.

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.