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Epic Contributor
Posts: 25,600
Registered: ‎10-23-2007
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Anyone ever worked with Macy's on payment arrangements?

I love my Macys and the fact I'm about to have the Macy's Amex not sure I want to mess with them, but just wondering if anyone has been able to successfully work out payments with them under a reduced interest plan?  Just want to check all my options at this point!

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
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Established Contributor
Posts: 720
Registered: ‎08-14-2008
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Re: Anyone ever worked with Macy's on payment arrangements?

how much do you owe them?

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 17k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Epic Contributor
Posts: 25,600
Registered: ‎10-23-2007
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Re: Anyone ever worked with Macy's on payment arrangements?

 


jefftca925 wrote:

how much do you owe them?


 

$12k Visa

$2k Store

$5k Furniture

 

really only concerned about the visa... but if I don't do anything with it, it's on my debt snowball in 3 months and I will be applying $900 payments a month, so may just do that because I'm not sure I want to have it closed out, just thought I would check though

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Established Contributor
Posts: 720
Registered: ‎08-14-2008
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Re: Anyone ever worked with Macy's on payment arrangements?

WOW!! Thats a lot to owe Macy's at their interest rates.  I would seriously attack this debt as hard as you can.  I've not seen department store issuers negotiate interest rates as there is no competing products they offer (i.e. Citi's different CCs with different rates).  Have they CLD your accounts at all?

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 17k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
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Epic Contributor
Posts: 25,600
Registered: ‎10-23-2007
0

Re: Anyone ever worked with Macy's on payment arrangements?

about 6 months ago they CLD $100 on my Visa, and that's it and that was before they gave me an additional $4500 on furniture CL so I don't think they are after my accounts... My store card is still 10700.

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
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