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12-15-2012 09:59 PM
12-16-2012 03:27 AM - edited 12-16-2012 03:28 AM
Have historically been a big EX puller, recent reports of EQ pulls are cropping up, not sure if an apparent shift to using EQ in some cases relates to canidates with frozen EX reports.
12-16-2012 06:16 AM
They soft my EQ report every 3 months. I've heard the initial app gets EX pulled and then when you actually get the account, CLIs are based on the EQ soft pulls.
12-16-2012 09:58 AM
I believe it to be EX with APP also...
APPLY IN STORE ONLY!!!
Macy's Credit - National Store what not... = (Citi) is one of the weirdest store cards EVER... I can't tell you how many times I have seen them Flag my store account and cancel (yes CANCEL) entire orders because it was done online and they said they were not able to verify (Mind you this is after having account over 4 years and having same adress and being elite and having a $10k+ limit and they still thought it could be fraud!) I have also seen accounts opened online and if the person does not come into store at some point they get very worried and I have seen those accounts on hold until customer comes into store to show ID.
plus in store you can get approved for store and possibly amex, at home you can't get approved for amex at time of app.