Funny....Macy's denied my request for a CLI, but approved me in the same phone call for a $1,800 Club account which is a higher limit than my normal Macy's account. Does that make sense?? Also, I did not know the Macy's Club account would report as a totally separate account on my credit report. It does. It actually helped my UTL (as you guys say on the forum), but I had seached the boards and didn't find any info about Macy's Club accounts, so I just thought I'd share that bit of info.