Macy's Store Card -----> Credit Card Upgrade

[YoungEntrepeneur]

The Macy's Visa reports the opening date from the day you applied for it rather than the opening date on the Macy's store card right? If that's the case, I would want to have the card and lower my AAoA.

[creditwherecreditisdue]

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@YoungEntrepeneur wrote:
The Macy's Visa reports the opening date from the day you applied for it rather than the opening date on the Macy's store card right? If that's the case, I would want to have the card and lower my AAoA.

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The store and Visa TL's are complete separate and report their own individual information. They only thing they share commonly is the plastic card. (It is a rewards card you know.)

[Anonymous]

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@creditwherecreditisdue wrote:

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@Anonymous wrote:

Do you know which bank underwrites Macy's Visa?

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This is actually a tricky piece. The accounts (store, various large purchase accounts and the Visa) are issued by DSNB = Department Stores National Bank, which is a joint venture between Citi and Macys. Citi actually owns the accounts, but they are administered by DSNB,

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So does that mean Citibank likes me?  Or are all the decisions made only by Macy's?

[creditwherecreditisdue]

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FullBird wrote:

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creditwherecreditisdue wrote:

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FullBird wrote:

Do you know which bank underwrites Macy's Visa?

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This is actually a tricky piece. The accounts (store, various large purchase accounts and the Visa) are issued by DSNB = Department Stores National Bank, which is a joint venture between Citi and Macys. Citi actually owns the accounts, but they are administered by DSNB,

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So does that mean Citibank likes me?  Or are all the decisions made only by Macy's?

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That also is a tricky piece. DSNB administers the accounts, so I assume they are making the decisions. However, since they are "partners" with Citi there must be some ground rules. Personally I thought I was not liked by Citi, but following years of a successfully rebuilt relationship with Macys I did receive two pre-app offers from Citi, one of which I acted on. I was approved and subsequently given a CLI. My Citi APR is also very low (6.99%). Does one relate to the other? Who knows! Maybe, but probably only obliquely. However, being good with Macys cannot be anything other than a plus with Citi.