Bloomingdales & Macy's starting limits

[new_earth]

So last weekend I got approved for Macy's at $300, waiting for the card in the mail. Last night I called the credit department to see if they would give me a higher starting limit. The guy said no, that I need to wait 6 months and show good payments and they will give me a CLI.

Today, even though I was supposed to be in the garden (for the 3rd time now), I got approved for Bloomingdale's. Originally $300 limit. Then I received an email saying I need to call to verify some information. I just called and answered some security questions and then the guy said WELL NOW THAT YOU ANSWERED THOSE, YOU ACTUALLY GET A $800 CL!!!!! I was so excited, it's the highest one I have yet and helps GREAT with utilization down the road.

So darnit, if they will do it why won't Macy's? Aren't they the same bank? Should I try calling Macy's again? Is there a better number I can call? I believe I called 800-933-6229and was transferred to the credit department. Anyone have another number that has worked for them? Or maybe just for some reason Bloomingdale's is more generous?

[LS2982]

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@new_earth wrote:

So last weekend I got approved for Macy's at $300, waiting for the card in the mail. Last night I called the credit department to see if they would give me a higher starting limit. The guy said no, that I need to wait 6 months and show good payments and they will give me a CLI.

Today, even though I was supposed to be in the garden (for the 3rd time now), I got approved for Bloomingdale's. Originally $300 limit. Then I received an email saying I need to call to verify some information. I just called and answered some security questions and then the guy said WELL NOW THAT YOU ANSWERED THOSE, YOU ACTUALLY GET A $800 CL!!!!! I was so excited, it's the highest one I have yet and helps GREAT with utilization down the road.

So darnit, if they will do it why won't Macy's? Aren't they the same bank? Should I try calling Macy's again? Is there a better number I can call? I believe I called 800-933-6229and was transferred to the credit department. Anyone have another number that has worked for them? Or maybe just for some reason Bloomingdale's is more generous?

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I'd get in the garden for 6 months and then try it. Don't take unnecessary HP's.

[Rhaeny]

Well I found that if one rep says no I just call back and try to talk with someone else...LOL!  

I opened Macy's in October with $300 limit and I called and asked for an increase and they said no.  I was thinking for goodness sakes what in the hell can I do with $300 at Macy's that wouldn't use up every bit of that limit.  So I called back a little later and requested an increase again.  This time I got a rep that knew what they were talking about and got it increased to $1500.  So yea its doable....just gotta be a little persistent.

[new_earth]

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@LS2982 wrote:

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@new_earth wrote:

So last weekend I got approved for Macy's at $300, waiting for the card in the mail. Last night I called the credit department to see if they would give me a higher starting limit. The guy said no, that I need to wait 6 months and show good payments and they will give me a CLI.

Today, even though I was supposed to be in the garden (for the 3rd time now), I got approved for Bloomingdale's. Originally $300 limit. Then I received an email saying I need to call to verify some information. I just called and answered some security questions and then the guy said WELL NOW THAT YOU ANSWERED THOSE, YOU ACTUALLY GET A $800 CL!!!!! I was so excited, it's the highest one I have yet and helps GREAT with utilization down the road.

So darnit, if they will do it why won't Macy's? Aren't they the same bank? Should I try calling Macy's again? Is there a better number I can call? I believe I called 800-933-6229and was transferred to the credit department. Anyone have another number that has worked for them? Or maybe just for some reason Bloomingdale's is more generous?

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I'd get in the garden for 6 months and then try it. Don't take unnecessary HP's.

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It didn't seem like the Bloomingdale's guy did another pull, but knew my limit would $800 if I answered the questions correctly. But then I am not exactly sure how it works. It just seemed like he already knew.

[new_earth]

I tried a different number and still 'no'. Very strange that they gave me such a high one for Bloomingdale's without even asking but no no no for regular Macy's. Hmm

[sybo40]

Seems typical of them both.  Macy's gave me a $300 limit in January.  I bought up to $264 and then paid it off after letting $88 report.  After paying it off in March, I called last week for increase.  They gave me $1,000 (should have asked for more, but didn't want to shoot myself in the foot).  Apped for Bloomingdale's on Friday and was instantly approved for $1K (I assume that DSNB was matching whatever they had given me at Macy's).  Since I'd taken the two hits, I decided to stop while I was ahead, so I didn't ask for an increase.  I'll just let them grow and leave 'em be...THAT IS A BLATANT LIE AND I NEED TO STOP THAT!  LOL  Besides, Ted Baker was whispering to me while I was there and I had to take one of his shirts home with me.  LOL  Just give it a couple months.  Use the card, then call 'em up and ask for the increases.  You should be fine.  GOOD LUCK and congrats on the approvals!!

[randeman]

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@Rhaeny wrote:

Well I found that if one rep says no I just call back and try to talk with someone else...LOL!  

I opened Macy's in October with $300 limit and I called and asked for an increase and they said no.  I was thinking for goodness sakes what in the hell can I do with $300 at Macy's that wouldn't use up every bit of that limit.  So I called back a little later and requested an increase again.  This time I got a rep that knew what they were talking about and got it increased to $1500.  So yea its doable....just gotta be a little persistent.

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I think I would have an easier time with $300 at Macy's than I would with Bloomingdale's!

My experience was with Macy's first, they started me with a $300 limit that went to $2000 in less than six months without my asking.  I opened Bloomingdale's in January, and it's still at $300.  I am hoping Bloomie's goes up on its own by six months.

[new_earth]

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@randeman wrote:

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@Rhaeny wrote:

Well I found that if one rep says no I just call back and try to talk with someone else...LOL!  

I opened Macy's in October with $300 limit and I called and asked for an increase and they said no.  I was thinking for goodness sakes what in the hell can I do with $300 at Macy's that wouldn't use up every bit of that limit.  So I called back a little later and requested an increase again.  This time I got a rep that knew what they were talking about and got it increased to $1500.  So yea its doable....just gotta be a little persistent.

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I think I would have an easier time with $300 at Macy's than I would with Bloomingdale's!

My experience was with Macy's first, they started me with a $300 limit that went to $2000 in less than six months without my asking.  I opened Bloomingdale's in January, and it's still at $300.  I am hoping Bloomie's goes up on its own by six months.

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Well, there is an actual Macy's location close by, a few of them actually. I prefer to shop in person and they are cheaper than Bloomingdale's. Bloomingdale's I'd have to order online and pay for shipping, and honestly most of the stuff I could never afford unless I buy one item at a time and pay it off over a few months. I will most likely at least for now only buy a small nice piece of jewelry from them to utilize the account.

Ooh, a huge Macy's increase like that in less than six months, I am excited!

[austinguy907]

http://ficoforums.myfico.com/t5/Credit-Cards/Macy-s-AMEX-Approval/m-p/2050487#M569191

I applied in store and they gave me $1200.... see thread for more info.

[new_earth]

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@austinguy907 wrote:

http://ficoforums.myfico.com/t5/Credit-Cards/Macy-s-AMEX-Approval/m-p/2050487#M569191

I applied in store and they gave me $1200.... see thread for more info.

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that is awesome I am excited that one day down the line they will offer me the Amex version. Or at least I will have a good chance of getting it. I believe Bloomingdale's has an Amex version too, which is another opportunity for me in the future. In addition to those, I have a new Loft/Ann Taylor card which after establishing a good history with, people seem to get offered the Mastercard version. I am so excited for these opportunities. Gotta garden all these first though, currently I do not get approved for any prime cards.