FYI Macy's Club & Special Event Acts

[MartinScott]

Read on here in several threads that the Macy's Club & Special Event Accounts (jewelery/furniture) were SP separate trade lines.  Just an FYI:

Two weeks ago I was approved for $4100 each line and never received any notifications via my report monitoring of any pulls... I assumed the SP was legit.  Yesterday while in the store I purchased a watch.  The sales associated had to call in for verification and handed the phone to me and I was asked a couple identity questions by the CSR.  Figured this was standard procedure for security.  This morning I received an alert that I have a HP on EX from Macy's dated 11/16 (yesterday).  Called Credit and spoke to a CSR who stated that when I first use the Tradeline I get a hard pull.

Doesn't really make sense to me because two weeks ago they approved me after a few seconds on hold for two lines @ $4100 each.  How did they come up with that number if not from some credit report already on file (SP)?  Why wait to the day I actually make a purchase to HP me???  Very odd...  Guess I won't be using that furniture account anytime soon 

[ScoreOrBeScored]

I opened my Macy's store January 2014 with SL $400 as of today it's at $2,500 for revolving acct

Opened Special Event Account April 2014 for $5,000 limit was a SP. Didn't use it til August 2014 , No Hp. And account isn't reporting.

opened Club account May 2014 For 2,300 limit with SP. Account reported before I got to even use it. I used it in July. No HP.

Applied for Macy's Amex July 2014 with a HP. After a week past found out I was declined. Received a letter a week after that stating

" You'll be glad to know Macy's has contacted Experian to have credit inquiry removed from your reports." Don't know why they removed the HP but I'm not complaining 

[MartinScott]

Thanks... after reading your experience and it being a SP I decided to call the BDN for Macy's found in the threads here.  Spoke to a Credit Analyst and stated my case in logical, sequential order.  She had to get a supervisor involved but finally came back and said the inquiry would be removed and I'd receive a letter in the mail confirming it.  Really glad I called again..

[ScoreOrBeScored]

Omg, that's great news. Make sure to hang on to your letter. Allow 45 - 60 days to come off from when you get your letter.

it didn't take long for mine to come off but still allow a decent amount of time. Please, hold on to the letter just in case things don't go right. Thats

your proof you can provide EXPERIAN if needed but I doubt you will have to go that far.

[MartinScott]

Thank you!! Definitely will hold on to it.  Really appreciate your advice 

[ScoreOrBeScored]

Your more than welcome, that's what we all are here for!!