Reply
Established Member
polarbeardad
Posts: 26
Registered: ‎07-16-2012

Re: Macy's Amex and New Cards WITHOUT AMEX!!

Macys is very funny about the extra credit line with the Amex/Visa logo, My store account account had a limit of 25K but only 2K on the VISA, only thing I could ever figure was the store card they can control better if you try to exceed the limit since it was only good in-house. Were as the VISA/Amex could be used anywhere without as much control. They will give generous credit lines for use on the store cards. The only bad part is the number of times they list on your credit report, the store, visa/amex, furniture accounts are all listed separately so it looks like a lot of trade lines but only one account. 

Valued Contributor
maiden_girl
Posts: 1,772
Registered: ‎12-29-2011

Re: Macy's Amex and New Cards WITHOUT AMEX!!

I don't really like Macy's store cards. My credit limit is literally $100 which is funny because when I was first issued the card over a year ago, they weren't reporting credit limits to consumers. You were forced to call the hotline to inquire about how much money you are allowed to charge in store. I have two other credit cards with higher limits than that one!

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (3.0k) | Chase Freedom NPSL | Citi Simplicity (8.0k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Mega Contributor
Creditaddict
Posts: 16,883
Registered: ‎10-23-2007

Re: Macy's Amex and New Cards WITHOUT AMEX!!


maiden_girl wrote:

I don't really like Macy's store cards. My credit limit is literally $100 which is funny because when I was first issued the card over a year ago, they weren't reporting credit limits to consumers. You were forced to call the hotline to inquire about how much money you are allowed to charge in store. I have two other credit cards with higher limits than that one!


Call 800-627-2909  Take you right into credit department.  They sometimes say HP, I have NEVER got a HP when it comes to GLI or CLI... They are usually SUPER about giving more credit, Im surprised you have $100.

 

WOW $25k! I thought my $10,700 was large... Wonder what payment is! and can you imagine 24.5% on $25k a month!!

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+