Reply
Regular Contributor
Posts: 116
Registered: ‎04-15-2009
0

Re: Macy's Store Card was just upgraded to Visa!!!

I think they are interested in seeing you spend a lot of money with them.  They upgraded my card to the Platinum level after I reached $1000 in spending, but they never upgraded my card to the Gold after spending $500.  I received the Platinum card after I requested a CLI. 

 

I started out with a $100 credit limit in March and now my store card limit is $1,000.  The rep told me to call back after my next statement cuts and ask for another CLI.  

 

I would go for it, especially since you spend so much there!  

Regular Contributor
Posts: 116
Registered: ‎04-15-2009
0

Re: Macy's Store Card was just upgraded to Visa!!!

Ok, so the Credit God's must be shining their lights on me today!

 

I just called Citi and requested a CLI...the CSR told me that they would have review my credit and that I could call back in 30 minutres or check online...

 

I logged into my account 5 minutes later and my credit was increased to $1,500.  That is a $660 increase!  The last increase they gave me was for a measley $40.00 almost a year ago!

Frequent Contributor
Posts: 278
Registered: ‎10-17-2009
0

Re: Macy's Store Card was just upgraded to Visa!!!

if  u dont mind me asking, what was ur credit score looking like. i had my card since 2007 and still stuck with a 300 cl. every time i ask for a cli was denied. so any thing would be helpful....i love macys my self..

 

then i called jc penny and they increase me to 1500 from 250, but im thankfuls for that..

Regular Contributor
Posts: 116
Registered: ‎04-15-2009
0

Re: Macy's Store Card was just upgraded to Visa!!!

My EX score is 682 butthey did not pull my credit. I believe they use an internal scoring system for CLI's.  Do you use your card a lot? 

 

Congrats on CLI from JCP!  That is nice bump!  :smileyhappy:

Frequent Contributor
Posts: 278
Registered: ‎10-17-2009
0

Re: Macy's Store Card was just upgraded to Visa!!!

i use to, when i first got the card back in 07, pd on it every week, never miss a beat, even up to this day..they will give me 100 cli and take it back....so i stop using my card, right now im just paying it off....it hurts im working hard to rebuild my credit, paying them avery wk, but will not give me a cli..

 

yes i called several times no luck :smileysad:

Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Macy's Store Card was just upgraded to Visa!!!


CMS2012 wrote:

My EX score is 682 butthey did not pull my credit. I believe they use an internal scoring system for CLI's.  Do you use your card a lot? 

 

Congrats on CLI from JCP!  That is nice bump!  :smileyhappy:


Macy's are EX pullers.

 

They didn't pull your credit and they didn't pull my credit when I accepted their "invitation to accept" a Macy's Visa in June. But that's not to say that Macy's won't pull your credit for a CLI or card app. There's a very fine line between when credit is pulled and when it is not. Just to be safe be sure to expressly state you do not want your credit pulled when asking Macy's for anything. Also, if you are declined, make sure you wait an appropriate period before asking again. Frequent requests will lead to a credit pull.

 

Macy's likes use, but not solely use. If you don't maintain your credit standing Macy's will take AA, usually in the form of a CLD. They can't do much damage with an RJ - the rates are already pretty high!

Frequent Contributor
Posts: 278
Registered: ‎10-17-2009
0

Re: Macy's Store Card was just upgraded to Visa!!!

thanks :smileyhappy:
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.