03-01-2009 04:39 PM - edited 03-01-2009 04:58 PM
03-01-2009 04:41 PM
03-01-2009 04:50 PM
My Macys credit limit is a measley 100.00, i just concerned at how they are treating my account. Since they granted me this small credit line, i dont have any bad items in my credit report, just a collection for 200. My other balances are pretty high, but i am getting them down, i just wondering if it would be worth it to ask for a GLI!
Do they look at your account activity, is it a hard pull of soft pull?
03-01-2009 05:04 PM
03-01-2009 05:11 PM - edited 03-01-2009 05:12 PM
03-01-2009 05:20 PM
03-01-2009 06:49 PM
I actually saw higher GLIs (relatively speaking) when I had at or near $0 balances for both Macys and Bloomies. My last round of GLIs came with about $300-$500 balances that extended beyond 3-4 months old (balances were higher) and my spending for the past year was about $3000 for Macys (in fairness, $2000 of that was for a bed) and for Bloomies, my spending for the year was about $700 with about $500 of that in the past 2-3 months.
DID ANYONE HAVE A BALANCE ON THEIR CARD WHEN THEY ASK FOR THE GUIDELINE INCREASE? ALSO HOW MUCH WAS YOU SPENDING PER MTH?
03-01-2009 08:34 PM
What was the guideline increase with the balance on your macy card?Message Edited by elaine829 on 03-01-2009 07:57 PM
03-02-2009 01:35 AM
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.
* 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.
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.