Reply
Established Member
Posts: 26
Registered: ‎07-16-2012
0

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
Posts: 2,110
Registered: ‎12-29-2011
0

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: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Epic Contributor
Posts: 24,276
Registered: ‎10-23-2007
0

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- 670., TU 705 Sync, EX 700 (04/20/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
83 Cards and Counting :smileytongue:
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.