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Regular Contributor
Give_Me_Credit_Please
Posts: 242
Registered: ‎12-11-2012
0

Macy's Credit Card? Hard to get? CLI? Is it worth HP?

Yesterday I continued my app spree and wanted to try my chance with Macys, I been trying since last year but DENIED! Today I called the card services for status of  my app. got transferred to I'm assuming backdoor rep. She said I applied last month and my score was 580 and now it's 595, they need a 615 for approval! I aske which cb did they pull and it was experian. I just checked my experian and I'm at 610. Experian is probly the worst and lowest score cb for me and out off all cb they pull, it had to be experian. Oh well, she said wait till I get to 615 and try again but another HP and don't know if it's worht it. Anyone have advice ore experience and hw are they with cli? Thank you in advance.

Established Contributor
NJTurnpike
Posts: 662
Registered: ‎02-20-2013
0

Re: Macy's Credit Card? Hard to get? CLI? Is it worth HP?

Sounds like you need to lay off the app'ing, pay all your balances, and remove whatever is hurting your scores from your reports. sub 600 is pretty low


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Frequent Contributor
austinguy907
Posts: 304
Registered: ‎03-03-2008
0

Re: Macy's Credit Card? Hard to get? CLI? Is it worth HP?

I just got one w/ the AMEX version as well.  From the research I did on here and looking at your profile.  I would just wait 1 year to let things age and your scores to come up.  Most store only cards from Macy's will result in a low limit unless you wait and build your scores.  If all you're looking for is another tradeline then give it 6 months and you might get $300 CL out of them.  

Scores by lender CLI requests 4/15/14: EQ 760 / TU 755 / EX
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Scores by lender 4/25/11: EQ 705 / EX 743 / TU 735
Mortgage closed 5/20/2011!
Regular Contributor
Give_Me_Credit_Please
Posts: 242
Registered: ‎12-11-2012
0

Re: Macy's Credit Card? Hard to get? CLI? Is it worth HP?

Yes your correct. My score is pretty low......i'm going into the garden for awhile. Thanks for all your help.

Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Macy's Credit Card? Hard to get? CLI? Is it worth HP?

Listen to every others advice and stop appps . You hurting your score and low your change to get approved for higher limit. I rather kill myself to get $100 or $200 credit limit . It's not worth it man. Stay in garden for at least one year then higher limit should come on your way next time you apps.

Goodluck.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor
Give_Me_Credit_Please
Posts: 242
Registered: ‎12-11-2012
0

Re: Macy's Credit Card? Hard to get? CLI? Is it worth HP?

Thanks for the advice!! That's what I'm going to do. Hopefully by this time next year, I'll have a better portfolio.

Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

Re: Macy's Credit Card? Hard to get? CLI? Is it worth HP?

Frequent Contributor
gen-specific
Posts: 336
Registered: ‎02-27-2013
0

Re: Macy's Credit Card? Hard to get? CLI? Is it worth HP?

yeah Macy's AMEX has low limits regardless. The AMEX side of the card having a higher limit than the Macy's side of the card.

 

If my next CLI doesn't bring either the AMEX side or AMEX+Macy's limit over 10k I am closing it, as it will probably be my lowest limit card. And I've *only* seen people complain about this card on the internet, over some low limits too, so maybe those specials at macy's aren't that worth it.

Citi Thank You Premier 60k, Alliant 30k, AMEX Blue 30k, Chase Sapphire Preferred 30k, BoA VISA Rewards 30k, Wells Fargo 30k, Barclays Arrival+ 30k, Citibank Custom Credit Line 12k, Macys/AMEX 2.5k/500

EFX ???, EXP ???, TU 780 - Dec 2014
Epic Contributor
Creditaddict
Posts: 22,067
Registered: ‎10-23-2007
0

Re: Macy's Credit Card? Hard to get? CLI? Is it worth HP?


gen-specific wrote:

yeah Macy's AMEX has low limits regardless. The AMEX side of the card having a higher limit than the Macy's side of the card.

 

If my next CLI doesn't bring either the AMEX side or AMEX+Macy's limit over 10k I am closing it, as it will probably be my lowest limit card. And I've *only* seen people complain about this card on the internet, over some low limits too, so maybe those specials at macy's aren't that worth it.


I don't know how much you have to use it but I found in the past at least doubling and more was pretty easy with Macy's Store and Macy's Amex.... but my partner has a new store $1100 and Amex $3500 ill keep you posted on when it's time for CLI.... I want double or more on both with SP or im over it!

back when I had Macy's Visa version I went $1k store, $2k Visa to $2,5,10,10,700 on store and 2,5,10,12k on visa in 1 year.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

Re: Macy's Credit Card? Hard to get? CLI? Is it worth HP?

My initial CL was $900, I used it once for $11 - guess I better do some shopping if I want an increase.

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