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Established Contributor
aquatic1
Posts: 620
Registered: ‎08-16-2008
0

Another Macy's post

Well against my better judgement I went ahead today and applied online for the Macy's store card.  Hit the submit button and got the "Thank you for applying" page.  Nothing else.  I called the number that is on their website and spoke to someone......DENIED!

 

So very disappointed but of course I received a email from Macy's after sending them a few questions.  There answers sounded positive so I went and applied.

 

 

Should have gone to the store and applied. :smileysad: 


Starting Score: TU:537
Current Score: TU:683 (3/11/10)
Goal Score: TU:740


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Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007
0

Re: Another Macy's post

Sorry to hear what happend to you. When you make purchase at the store and apply for the card it does help in the approval process. What is the reason they gave you for the denial? Some times they start you out with low CL and get you more CLI's later. I started my card with $100CL about 18 months ago and now it is at $4600 CL. Let us know what is the reason they gave you.
Established Contributor
aquatic1
Posts: 620
Registered: ‎08-16-2008
0

Re: Another Macy's post

I will have to wait until tomorrow to call.  When I called they just told me that I was denied and that in 3-5 days I will get a response as to why the denial.

 

I am going to kick myself for doing this even though two items will be deleted from my reports hopefully by the end of the month.  I guess we live and learn.  Not to mention NEVER listed to a CSR.  This is the second time I listened to then (BofAm in MArch and now Macy's) and both times all I received are two inquires!!!!

 

I won't let that happen again!:smileywink: 


Starting Score: TU:537
Current Score: TU:683 (3/11/10)
Goal Score: TU:740


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Established Member
Posts: 122
Registered: ‎04-27-2007
0

Re: Another Macy's post

Aquatic, did you get your fico score first before you applied to Macy's?  That is a must before applying to any cards.  once you see your score, that may give you your answer why you were denied.
Established Contributor
aquatic1
Posts: 620
Registered: ‎08-16-2008
0

Re: Another Macy's post

Macy's pull EX so that is not an option.  I sent a email and asked them about 5 different questions and was told that based on the info I gave them I should be fine.  Of course they did not guarantee hence the "should" but it sounded a lot better than no!  I asked what scores they were looking for and was told as long as it was mid 500's and above that would be fine.

 

Since I was able to pull EX I have had three collections removed, paid off 3 additional collections that eill not delete and entered into a payment plan with AmEx's Optima program that will be completed in Sept. 


dee wrote:
Aquatic, did you get your fico score first before you applied to Macy's?  That is a must before applying to any cards.  once you see your score, that may give you your answer why you were denied.

 

 


Starting Score: TU:537
Current Score: TU:683 (3/11/10)
Goal Score: TU:740


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Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Another Macy's post

Wait six months and try it again. Hopefully by then your scores will be a little bit higher.
Senior Contributor
score_building
Posts: 3,554
Registered: ‎01-10-2008
0

Re: Another Macy's post


creditwherecreditisdue wrote:
Wait six months and try it again. Hopefully by then your scores will be a little bit higher.

 

in store please, may get you better results!
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Another Macy's post


score_building wrote:

creditwherecreditisdue wrote:
Wait six months and try it again. Hopefully by then your scores will be a little bit higher.

 

in store please, may get you better results!

 

I can't speak to that, but it well could.
Established Contributor
aquatic1
Posts: 620
Registered: ‎08-16-2008
0

Re: Another Macy's post

will do a recon and if that doesn't work, I will try again in a few months.

Starting Score: TU:537
Current Score: TU:683 (3/11/10)
Goal Score: TU:740


Take the FICO Fitness Challenge
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Another Macy's post

I was approved for their card and my scores are lower than yours. 

 

I applied online.


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