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Macy's CL ?

Contributor

Macy's CL ?

I got my new Macy's Red card in the mail today.
Needless to say I was dissapointed to find out my cl is only $100.00 ~
Can I cancel this or maybe call them to inquire as to why such a low limit?
I have no other store cards so maybe is that a reason? I also went on an applying spree and this was number 8 of the night.
Have any suggestions?? 
10/2007 TU 545 EX 538 EQ 529
2/2008 TU 628 EX 608 EQ 587
3/2008 TU 636 EX 627 EQ 613
4/2008 TU 637 EX 618 EQ 621
Message 1 of 21
20 REPLIES
Valued Contributor

Re: Macy's CL ?

keep it, use it wisely and correctly, and let it age --- they will CLI as you use and pay.
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747
Message 2 of 21
Established Contributor

Re: Macy's CL ?

I called after receiving the normal $100 credit limit, which they raised to $800 immediately(now $1500). Bloomingdales gave me the same $100 but upped to $1000 after calling them after the initial approval... now $1900. Try calling.

Message Edited by FaircreditguyFL on 03-08-2008 03:10 PM
Message 3 of 21
Super Contributor

Re: Macy's CL ?

I got my card at $100 and now it is at $200. I am going to call them March 15 th for CLI and see what they say. I guess they give CLI every 3 months.
Message 4 of 21
Established Contributor

Re: Macy's CL ?

You want a GUIDELINE increase, not a credit limit increase. Asking for a CLI will cost you a hard pull. A GUIDELINE will not. I called immediately after applying online and spoke to credit department. Was given a $700 and $900 increase over the phone. I didn't wait 90 days... same day as app.
Message 5 of 21
Senior Contributor

Re: Macy's CL ?



FaircreditguyFL wrote:
You want a GUIDELINE increase, not a credit limit increase. Asking for a CLI will cost you a hard pull. A GUIDELINE will not. I called immediately after applying online and spoke to credit department. Was given a $700 and $900 increase over the phone. I didn't wait 90 days... same day as app.




Same here. The day I applied, I called them and they doubled my cl to $600.
"Never ever, ever be late. Never" (FUTR)
Message 6 of 21
Senior Contributor

Re: Macy's CL ?

If you applied online the $100 is STANDARD.  You have to call in and once your identity is verified, you'll receive a cli.  After the 3rd statement cuts, you should receive another cli.
Message 7 of 21
Moderator Emeritus

Re: Macy's CL ?

I appd online and received $300. I tried to get a CLI or GLI on activation but was a no go. I inaugurated the card at Macys in NYC, but a call for an increase then didn't work either. At the 3rd statement, I called for an increase. They said no, because they wanted to see three payments first. But I checked TC the following week and they bumped from $300 to $600. My score was around 640 when I appd.
 
Like Macys, I have Bloomingdales. At the 3rd pmt, I called and asked for an increase. They said "OK, you're approved for $100 more." So, $300 to $400. Better than nothing.
 
DW too has Macys. Her score, I think,  was around 620 when she applied at the store. Instant approval of $600. Will ask for a CLI or GLI after this next payment.
Message 8 of 21
Contributor

Re: Macy's CL ?

Called cs.............No cli; maybe I'll go to the store & poof it'll go up
10/2007 TU 545 EX 538 EQ 529
2/2008 TU 628 EX 608 EQ 587
3/2008 TU 636 EX 627 EQ 613
4/2008 TU 637 EX 618 EQ 621
Message 9 of 21
Established Contributor

Re: Macy's CL ?

I only had a 200 cl..I had the card sock drawered and when I used it they automatically increased cl to 600 bucks. I think they give cl's every few months but you need to use the card alot..which I don't
Message 10 of 21