MACY'S credit card

Anonymous · ‎03-24-2015

Thanks in advance for any helpful answers. Anyone know roughly what min FICO score Macy's accepts for card app.? I have a clean credit file.

taxi818 · ‎03-24-2015

@Anonymous wrote:
Thanks in advance for any helpful answers. Anyone know roughly what min FICO score Macy's accepts for card app.? I have a clean credit file.

a 620 should get it. but for best results apply in store if your file clean you should be in 700s then you can get the macys amex. but only in store can you apply.

SunriseEarth · ‎03-24-2015

@Anonymous wrote:
Thanks in advance for any helpful answers. Anyone know roughly what min FICO score Macy's accepts for card app.? I have a clean credit file.

You could probably get in the door with ~600 on EX. Applying in-store is better, as they can verify ID that way. With a score ~700, you'd probably get the AMEX. I was able to upgrade to AMEX when my score was ~680.

heyarrnold · ‎03-24-2015

Apply in store. It doesn't take much. I was approved for this card when I was 18 lol

gdale6 · ‎03-24-2015

You can look to the credit pulls and who gave me credit databases to see what scores people get approved for cards at. Good luck

chalupaman · ‎03-24-2015

I had an EX score in the 700s and still do and was able to get both Macys and Macys Amex. Applied online but called them and asked for the upgrade and the one day the Amex version showed up on my login page.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Anonymous · ‎03-24-2015

@Anonymous wrote:
Thanks in advance for any helpful answers. Anyone know roughly what min FICO score Macy's accepts for card app.? I have a clean credit file.

I had

tu 605

ex 614

eq 637

And was given 300 which was turned into 600 upon verification!

Hope this helps!

...and this was just this past weekend!

ddemari · ‎03-24-2015

Like others have said, apply in store.

Anonymous · ‎03-25-2015

Are there any benefits for getting the AMEX instead of the regular card? I took a look at both and they look the same apart from using different networks.

gdale6 · ‎03-25-2015

@Anonymous wrote:
Are there any benefits for getting the AMEX instead of the regular card? I took a look at both and they look the same apart from using different networks.

The Amex version would be better as you could use it anywhere Amex is accepted. Having bankcards reporting are always superior to store only cards.