@Anonymous wrote:
@Creditaddict wrote:
It is a Hard Pull
It is a new application
It is it's own CL that will report CL to credit vs store that just shows charge account and no CL
Im unsure about backdate because we had Amex from the beginning
and if you don't spend enough in store to get you to the black card I'm not sure the rewards would really be worth it for you to take the whole inq and new account, you would be better off applying somewhere else and also you REALLY don't want to carry a balance at 24.5% interest speaking from experience!
You're a life savor. I'll just go ahead and ignore it. I didn't want the inquiry hit anyways, but I thought they would just soft inquiry it for me. I can't believe the representative lied to me like that, saying how it won't affect my score at all. Thanks for the help! Just wish they gave it to me since the beginning.
lied to you might be a little harsh... a large number of front line reps don't know what util is, what hard vs soft are, and what multiple lines can do to you and therefore probably don't bother to learn more about it or learn the policies of the bank they work for and in paticular with Macy's they have done a LOT of changes to the Macy's Credit Cards and I wouldn't be surprised if employees at the front line level were probably sent a memo and not actually trained on what that means for them when talking to customers and what it means for customers when doing things they use to do with ease and no credit checks.
That's why it's always good to start the research here on the boards before talking to the bank. not trying to say these reps are stupid or anything, hope it doesn't come across that way just lack of upper level management I think sometimes
