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Mega Contributor
Creditaddict
Posts: 19,698
Registered: ‎10-23-2007
0

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 657 Cabelas, TU 662 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Established Contributor
jefftca925
Posts: 686
Registered: ‎08-14-2008
0

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

how much do you owe them?

CCs: Chase Freedom World MC 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom Visa Sg 10k, Amex Zync, Costco Amex 12k, BofA CR Visa Sg 17k, Amex BCP 9.5k, Amex Blue 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR Visa 44.6k, Chase United Visa Sg 13k, Chase Marriott Visa Sg 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF Visa Sg 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates Visa Sg 8k FICOs as of June '14...EQ 808 TU 804 EX ?
Mega Contributor
Creditaddict
Posts: 19,698
Registered: ‎10-23-2007
0

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 657 Cabelas, TU 662 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Established Contributor
jefftca925
Posts: 686
Registered: ‎08-14-2008
0

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 World MC 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom Visa Sg 10k, Amex Zync, Costco Amex 12k, BofA CR Visa Sg 17k, Amex BCP 9.5k, Amex Blue 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR Visa 44.6k, Chase United Visa Sg 13k, Chase Marriott Visa Sg 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF Visa Sg 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates Visa Sg 8k FICOs as of June '14...EQ 808 TU 804 EX ?
Mega Contributor
Creditaddict
Posts: 19,698
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 657 Cabelas, TU 662 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:

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