Reply
Established Contributor
Posts: 557
Registered: ‎08-30-2013
0

Macy's Now In Hopes of Macy's AMEX Later

I know I'm suppose to be gardening, but I'm thinking of doing this-maybe not right away-but soon. I got denied for regular AMEX PRG a few days ago and was going to re-app right around Christmas. But I've read several stories of people going from their store card to the Macy's AMEX in just a matter of months AND NOT taking an ADDITIONAL HP during the upgrade-AND still having their original store card. Thinking this might be a viable option b/c after all Macy's AMEX is still an AMEX. Thoughts welcome as always.

Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: Macy's Now In Hopes of Macy's AMEX Later

just an fyi 

 

it is a card on the amex network,. its not an actual amex and wont backdate if you get a amex brand card 

also you may not take a hit for an inquiry but you will for another account, as it reports as totally new accont.

if you shop there alot it might be worth it. but if not wait till later.

 

ive had my macys card for about 3 years now and havent upgraded too the amex even though im sure ill get it.

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Macy's Now In Hopes of Macy's AMEX Later

I wanted a Macys Amex but I don't shop there enough to bother getting one.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Macy's Now In Hopes of Macy's AMEX Later

Before deciding to app in hopes of getting an upgrade, what were the reasons for the PRG denial?
Established Contributor
Posts: 557
Registered: ‎08-30-2013
0

Re: Macy's Now In Hopes of Macy's AMEX Later

I'm wating for the denial letter to arrive. But I'm assuming it's my overall EX score which is a 645 right now (which has slowly gone up over the last month). And maybe the public records. From what I've heard Macy's AMEX won't accept a score of less than 700, and I'm assuming regular AMEX might be the same way. That's why I was going to try regular Macy's first, then see about an upgrade later when and IF my EX score ever hits 700. Like the prev. poster said- SP for approval-but 2 new accts. Too bad they don't pull TU b/c I'm already at 700 with them. I actually had Macy's about 20 or so yrs. ago but it's long gone from my reports-but I did pay it in full. My limit wasn't that high back then.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.