Reply
Super Contributor
Ron1
Posts: 5,477
Registered: ‎05-23-2009
0

Macy's Card CLI denial!!!

I called to request CLI for my Macy's Card. I requested to increase from $3500 to $5000.  asked me my annual income to process CLI . I was on hold on the line for almost 5 min.  It came back with denial meassage and will get letter within 7-10 days. I don't know they pull hard or soft.

 

 

Ron.

Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Macy's Card CLI denial!!!

Sorry to hear Ron 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Member
ccuser
Posts: 46
Registered: ‎11-28-2013
0

Re: Macy's Card CLI denial!!!

[ Edited ]

Was it a HP or SP?

 

EDIT: Never mind, I didn't see your last sentence.

AMEX BCP 25k | Discover It 17.6k | Citi ThankYou Preferred 9.4k (AU) | Citi Simplicity 8.5k | Andrews FCU GlobeTrek 7.5k | Barclaycard Arrival+ 6.5k | Sears MC 6.5k | Old Navy Visa 6k | NIHFCU/Elan Bonus Rewards 5.3k | Target 2.4k | Macy's 1.8k

EX FICO: 766 | TU FICO: 786
Valued Contributor
FinStar
Posts: 6,980
Registered: ‎10-21-2012
0

Re: Macy's Card CLI denial!!!


Ron1 wrote:

I called to request CLI for my Macy's Card. I requested to increase from $3500 to $5000.  asked me my annual income to process CLI . I was on hold on the line for almost 5 min.  It came back with denial meassage and will get letter within 7-10 days. I don't know they pull hard or soft.

 

 

Ron.


Na ah!  Although anything could be possible, I do find this hard to believe!!  Not Ron the Credit Master!

 

Valued Contributor
FinStar
Posts: 6,980
Registered: ‎10-21-2012
0

Re: Macy's Card CLI denial!!!

I would also be curious to see whether the request ended up being SP or HP... Let us know what the letter points to as far as reasons.  Sorry to hear Ron :robotsad:

Regular Contributor
MACFRME
Posts: 238
Registered: ‎07-04-2008
0

Re: Macy's Card CLI denial!!!

My partner keeps getting screwed by Macy's too. He opened his card in April with a $400 CL. I called in and got him a CLI to $1,000 in August. Called in on Black Friday, and they gave him a whopping $100 CLI. He has scores above 700, we use the card a lot, have a good income, and he has credit limits that are a lot higher. I just don't see why they are being so stingy....
Cards I Carry
$1K$5K$7.5K$12K$20K$12k$5k$6k$12.5k
Total Available Credit: $83.4k | FICOS: EX 632 | EQ 643 | TU 671
Store: Nordstrom Retail $5k and Target $800. Recently acquired: U.S. Bank Cash Rewards Visa $1k.
Super Contributor
Ron1
Posts: 5,477
Registered: ‎05-23-2009
0

Re: Macy's Card CLI denial!!!


MACFRME wrote:
My partner keeps getting screwed by Macy's too. He opened his card in April with a $400 CL. I called in and got him a CLI to $1,000 in August. Called in on Black Friday, and they gave him a whopping $100 CLI. He has scores above 700, we use the card a lot, have a good income, and he has credit limits that are a lot higher. I just don't see why they are being so stingy....

Sorry to hear it. I have had the account since 2006 (when they were May Dept stores).  I was surpised when I got denied for CLI. My score was 782. I got perfect credit history and my credit utilization was around 1%.  They sounded like they didn't want to give out any CLI to anyone.

 

 

Ron.

Super Contributor
Ron1
Posts: 5,477
Registered: ‎05-23-2009
0

Re: Macy's Card CLI denial!!!


FinStar wrote:

Ron1 wrote:

I called to request CLI for my Macy's Card. I requested to increase from $3500 to $5000.  asked me my annual income to process CLI . I was on hold on the line for almost 5 min.  It came back with denial meassage and will get letter within 7-10 days. I don't know they pull hard or soft.

 

 

Ron.


Na ah!  Although anything could be possible, I do find this hard to believe!!  Not Ron the Credit Master!

 

:smileysurprised:

 

Moderator
09Lexie
Posts: 26,644
Registered: ‎09-13-2012
0

Re: Macy's Card CLI denial!!!


Ron1 wrote:

FinStar wrote:

Ron1 wrote:

I called to request CLI for my Macy's Card. I requested to increase from $3500 to $5000.  asked me my annual income to process CLI . I was on hold on the line for almost 5 min.  It came back with denial meassage and will get letter within 7-10 days. I don't know they pull hard or soft.

 

 

Ron.


Na ah!  Although anything could be possible, I do find this hard to believe!!  Not Ron the Credit Master!

 

:smileysurprised:

 


I am shocked!  There must have been an error.

 

oy! I remember May Dept

Super Contributor
Ron1
Posts: 5,477
Registered: ‎05-23-2009
0

Re: Macy's Card CLI denial!!!


09Lexie wrote:

Ron1 wrote:

FinStar wrote:

Ron1 wrote:

I called to request CLI for my Macy's Card. I requested to increase from $3500 to $5000.  asked me my annual income to process CLI . I was on hold on the line for almost 5 min.  It came back with denial meassage and will get letter within 7-10 days. I don't know they pull hard or soft.

 

 

Ron.


Na ah!  Although anything could be possible, I do find this hard to believe!!  Not Ron the Credit Master!

 

:smileysurprised:

 


I am shocked!  There must have been an error.

 

oy! I remember May Dept


I think May Dept stores was better Macys. Now I like to shop at Kohls.  :smileyhappy:

 

 

Ron.


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+
}