Reply
Frequent Contributor
Posts: 277
Registered: ‎10-09-2007
0

Re: 2009 Macy Guideline increases?

Actually yesterday when i called for my guideline increase the csr did ask how much of a increase did i want i said a 1,000. She said hold on and when she came back on the phone she said sorry at this time we can only give you 200 increase.Thats when i proceeded to ask her why so low and in her defense she did put me on hold again and try again but macys wouldnt budge with the 200.
Frequent Contributor
Posts: 277
Registered: ‎10-09-2007
0

Re: 2009 Macy Guideline increases?

Also when you ask for more was those hard inquires. Do you know?
Valued Contributor
Posts: 1,934
Registered: ‎10-23-2007
0

Re: 2009 Macy Guideline increases?

[ Edited ]

Called this morning to get a GLI and they declined me!

Message Edited by Schoolbuskid on 03-03-2009 08:29 AM
Established Contributor
Posts: 586
Registered: ‎03-03-2009
0

Re: 2009 Macy Guideline increases?

I am going to call them next week and ask for a CLI. It has been 3 months since my last CLI in December. They gave me a $2,500 CLI in December which brought my CL to $4.8k. I was very surprised especially since I don't use the card as much as others do. I try to use it every 3 months and buy cologne from one of their local stores.
Established Contributor
Posts: 794
Registered: ‎08-05-2008
0

Re: 2009 Macy Guideline increases?


YoungEntrepeneur wrote:
I am going to call them next week and ask for a CLI. It has been 3 months since my last CLI in December. They gave me a $2,500 CLI in December which brought my CL to $4.8k. I was very surprised especially since I don't use the card as much as others do. I try to use it every 3 months and buy cologne from one of their local stores.

 

So the trick to a good GLI is not to shop there but once every few months. Good to know, in that case I am taking my wifes card away from her today.

 

 

____________________________________________________

"Evacuate, in our moment of triumph? I think you overestimate their chances."
Moderator Emeritus
Posts: 3,417
Registered: ‎12-27-2007
0

Re: 2009 Macy Guideline increases?

I actually need to use my card.  It's been empty since July -- bought two shirts at Macy's Herald Square, lol.

 

They just downgraded me back to the Red from the Plat -- this was expected.  This is my oldest TL, so I can't let it go.  I haven't asked for a CLI on it, but it sits at 2.5k.  I don't think I've ever had more than 750 on it.

 

I'm sure I can find SOMETHING to buy at Macy's, but I've been in an anti-shopping mode for a few months.  Maybe after I buy something I'll actually call for a GLI.  LOL!

~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Frequent Contributor
Posts: 281
Registered: ‎04-30-2008
0

Re: 2009 Macy Guideline increases?

tell the CSR that you're looking to buy new mattresses (new stock just came in) and furniture from Macy's. that's always a good reasonable excuse.

myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: 2009 Macy Guideline increases?


simonlarano wrote:
tell the CSR that you're looking to buy new mattresses (new stock just came in) and furniture from Macy's. that's always a good reasonable excuse.


I actually tried that twice. I called the first time and asked for a GLI in that I wanted to buy some mattresses during a sale they were having. They only gave me like $400 or something like that and told me to go to the store if I wanted more. So I tried again at the store and this time actually committed to buying a mattress as we needed one. I told the clerk that my CL wasn't high enough. She said not to worry that I would be approved and that my credit would be extended. Well, they ended up opening a new account up as a special purchase acct. Ying-yang. New TL, bad. But 0% interest and they opened a new TL that reports as a $2500 CL charge card. Oh well.
Frequent Contributor
Posts: 286
Registered: ‎06-19-2008

Re: 2009 Macy Guideline increases?

I just opened a Macys card last month so forgive my silly question, but what exactly is a guideline increase?
-------------------------------------------------------------------------------------------------

Starting Score: 472
Current Score: 628
Goal Score: 680


Take the FICO Fitness Challenge





Starting Score: EQ FICO 470 TU FICO 482 7/15/2011
Current Score: EX ?? /EQ FICO 628 / TU ??
Goal Score: 680 across the board!

Navy Federal nRewards $500 cl
Capitol One Platinum (AU) $7500 cl
USAA Amex $250
Kay Jewelers $900
Established Contributor
Posts: 586
Registered: ‎03-03-2009
0

Re: 2009 Macy Guideline increases?

That's the term Macy's uses for credit line increases.

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.