AU Macy Card Help Score Trouble

[millenion]

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@daybreakgonesXe wrote:

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@millenion wrote:

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@09Lexie wrote:
Agree with daybreakgonesXe . Sounds like you apped for a cc without even knowing! Once you are on your sister's acct, her util will affect your CS. The new acct will temp affect your CS too.

Either way, if you were simply added as an AU, the new TL kicked you out of the garden. Sorry.

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I think I might have, because she asked for the full social. But the lady did not ask for my income only my sisters. Is there away to check to see if there were any sp or hps at all?

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Trust me...as long as she had your name, address, birthday, and social (which she did from your ID and you inputting your social), income isn't something that's verified, especially at the store, and anybody can put in a number. That's not something that's linked to your file and simply used as a basis for the credit limit/repayment ability, if need be.

I forgot who Macys pulls, but if you haven't already, pull your 3 free credit reports at annualcreditreport.com

Question - when you went to pay for the stuff, did she use the temporary slip that printed out or your sister's actual card? That may give us a clue to what happened. Also feel free to call the Macy's CC number to double check on what happened!!

Also, my store had a meeting today about credit card applications...apparently, there's been an issue with handing the T&C to the customer. Every time we do an app, we scan a barcode in the T&C, and are suppose to hand it to the customer, whether they're approved or not. Unfortunately, people have been using one T&C barcade throughout the whole day they do apps, and this causes a legal issue because it gives the impression that we never informed the customer about vital information about the CC they just applied for (we even have a button the customer presses before going about the application process to confirm the customer was given the T&C and that they accept it).

Did this particular associate give you a CC packet? If not, you may be able to dispute this if this card indeed is not an AU account. If she did...well...enjoy your Macy's card what a sneaky tactic though, definitely not kosher.

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Agree, well after the approval process. She printed my sister and my name on a discount slip for 20% off all day. My sister paid with her macy card though so I dont think the lady gave us any kind of slip pertaining to a macy's card. If anything I will just have to garden till February now . Or maybe PC it to Amex lol

[daybreakgonesXe]

Hmm, very strange and interesting...I will have to research about this.

I wonder if they can also do joint accounts in the store?

I would definitely call Macys and ask if you are an authorized user on your sisters card, or if you have your own account.

Best of luck!

[millenion]

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@daybreakgonesXe wrote:
Hmm, very strange and interesting...I will have to research about this.

I wonder if they can also do joint accounts in the store?

I would definitely call Macys and ask if you are an authorized user on your sisters card, or if you have your own account.

Best of luck!

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Thanks I will let you know how this turns out lol

[Skye12329]

I work for a big retail store...not macys though, another big one, we cannot do Joint Accounts in the store, to become a AU/JO you would need to call the back of the card or go online and talk with a representative, the only we can do inside the store is open up cards for you. Once that SSN is entered and the drivers license is put in, there is no going back. The Application started, and if we hit the cancel button on our side of the register, is doesnt cancel the application but rather automatically declines it. Its sadly ridiculous, also since that Macys employee lied, that technically is illegal. Because where i work lying is taken very seriously, we have to inform the customer what they are signing up for.