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?
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?
What was the guideline increase with the balance on your macy card?Message Edited by elaine829 on 03-01-2009 07:57 PM