Macy's Cli POLICY

[taxi818]

Op here. I verified with macys via phone. Sp only. They told me to spend more for cli. I said how can I with 300 limit. I don't wan to max out. She said buy some socks or something and pay in full. 

Then will give cli in 6 months. Sp only. Unless you want a very hi cli. So there we go folks.  

[BeingMaryJane]

Not always a soft pull. It used to be though. I asked for a CLI on Macy's American Express. I had EX frozen, and he came back and asked me to unfreeze. I declined. But he did tell me it would be a hard pull.

[Creditaddict]

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@BeingMaryJane wrote:

Not always a soft pull. It used to be though. I asked for a CLI on Macy's American Express. I had EX frozen, and he came back and asked me to unfreeze. I declined. But he did tell me it would be a hard pull.

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frozen reports will keep them from getting the sp updates also so that is why he asked it to be unfrozen but doesn't mean it would have been a hp.

[lonelyisland]

They always say it's a hard pull. But in the past year I've had the card it's never been a hard pull once. Not when I call and get a CLI, not when it's declined and not when I added a furniture line. Never once have I had a HP on my credit report since the initial, even though they say it is if I ask. 

[Anonymous]

My Macy's card had a credit line of $100 opened Jan 2015.

Last Night I called for a CLI. Nice lady asked me how much I was looking for, I stated 1,500 would be PERFECT as I am getting ready to start some of my Holiday shopping this weekend.

She asked me if I was looking for 1,400 + the existing 100, or 1500 + 100. I stated 1,400 + 100 would be PERFECT. She asked to verify my income as well as rent/own, then very quickly came back with an APPROVAL for 1.5k.

Credit Karma shows as SP!!!!

I'm in the 670's, Goal is 700+ by EOY.

Utilization is less than 4%

Bloom: 3k; Care Credit 3.6k; C&B 2,250; Finger 1.5k; Gettington 1,950; HC 6k; HSN 1,750; Macy 1.5k; Wards 700; NM 3.7k; Nord 2.5k; Target 1.3k; TJ Maxx 700

CapOne 500; CapOne Spark 1k

July 2015 FICOs: TU: 651; EX: 639; EQ: 673

[heyarrnold]

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@Anonymous wrote:

My Macy's card had a credit line of $100 opened Jan 2015.

Last Night I called for a CLI. Nice lady asked me how much I was looking for, I stated 1,500 would be PERFECT as I am getting ready to start some of my Holiday shopping this weekend.

She asked me if I was looking for 1,400 + the existing 100, or 1500 + 100. I stated 1,400 + 100 would be PERFECT. She asked to verify my income as well as rent/own, then very quickly came back with an APPROVAL for 1.5k.

Credit Karma shows as SP!!!!

I'm in the 670's, Goal is 700+ by EOY.

Utilization is less than 4%

Bloom: 3k; Care Credit 3.6k; C&B 2,250; Finger 1.5k; Gettington 1,950; HC 6k; HSN 1,750; Macy 1.5k; Wards 700; NM 3.7k; Nord 2.5k; Target 1.3k; TJ Maxx 700

CapOne 500; CapOne Spark 1k

July 2015 FICOs: TU: 651; EX: 639; EQ: 673

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I am sorry, but Credit Karma does not show soft pulls. The only way to see SPs is directly with the credit bureaus. All inquiries that show up on CK are HPs. 

[Creditaddict]

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@heyarrnold wrote:

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@Anonymous wrote:

My Macy's card had a credit line of $100 opened Jan 2015.

Last Night I called for a CLI. Nice lady asked me how much I was looking for, I stated 1,500 would be PERFECT as I am getting ready to start some of my Holiday shopping this weekend.

She asked me if I was looking for 1,400 + the existing 100, or 1500 + 100. I stated 1,400 + 100 would be PERFECT. She asked to verify my income as well as rent/own, then very quickly came back with an APPROVAL for 1.5k.

Credit Karma shows as SP!!!!

I'm in the 670's, Goal is 700+ by EOY.

Utilization is less than 4%

Bloom: 3k; Care Credit 3.6k; C&B 2,250; Finger 1.5k; Gettington 1,950; HC 6k; HSN 1,750; Macy 1.5k; Wards 700; NM 3.7k; Nord 2.5k; Target 1.3k; TJ Maxx 700

CapOne 500; CapOne Spark 1k

July 2015 FICOs: TU: 651; EX: 639; EQ: 673

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I am sorry, but Credit Karma does not show soft pulls. The only way to see SPs is directly with the credit bureaus. All inquiries that show up on CK are HPs. 

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Good catch... I wasn't even paying attention to that... yeah don't believe Macy's or Bloomingdales does SP CLI by your request anymore since the shift to Citi.

[Fresh-Start]

I've had a Macy's card for 5 years and it's always been a hard pull for me smh!

[willwar14]

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@heyarrnold wrote:

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@Anonymous wrote:

My Macy's card had a credit line of $100 opened Jan 2015.

Last Night I called for a CLI. Nice lady asked me how much I was looking for, I stated 1,500 would be PERFECT as I am getting ready to start some of my Holiday shopping this weekend.

She asked me if I was looking for 1,400 + the existing 100, or 1500 + 100. I stated 1,400 + 100 would be PERFECT. She asked to verify my income as well as rent/own, then very quickly came back with an APPROVAL for 1.5k.

Credit Karma shows as SP!!!!

I'm in the 670's, Goal is 700+ by EOY.

Utilization is less than 4%

Bloom: 3k; Care Credit 3.6k; C&B 2,250; Finger 1.5k; Gettington 1,950; HC 6k; HSN 1,750; Macy 1.5k; Wards 700; NM 3.7k; Nord 2.5k; Target 1.3k; TJ Maxx 700

CapOne 500; CapOne Spark 1k

July 2015 FICOs: TU: 651; EX: 639; EQ: 673

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I am sorry, but Credit Karma does not show soft pulls. The only way to see SPs is directly with the credit bureaus. All inquiries that show up on CK are HPs. 

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+1

[Anonymous]

I am aware that CK does not show SPs.
Only CR does.

So No Show of Pull via CK = SP.