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I tried the numbers in the backdoor thread, but I couldn't find anyone that would do a CLI on my Macy's card without a hard pull. The first rep said the credit bureau decides if it was a hard or soft pull (lol!), so I called back. The second rep first told me my card was inactive and therefore first needed a hard pull to be re-opened (lol again), but after looking more closely at the account he corrected himself but said unfortunately the system was prompting him for a hard pull for CLI.
It is my understanding that some of you have had success getting a CLI with a soft pull. Does anyone have a different number I can try?
@SwampSystems wrote:I tried the numbers in the backdoor thread, but I couldn't find anyone that would do a CLI on my Macy's card without a hard pull. The first rep said the credit bureau decides if it was a hard or soft pull (lol!), so I called back. The second rep first told me my card was inactive and therefore first needed a hard pull to be re-opened (lol again), but after looking more closely at the account he corrected himself but said unfortunately the system was prompting him for a hard pull for CLI.
It is my understanding that some of you have had success getting a CLI with a soft pull. Does anyone have a different number I can try?
Try CLI@MacysIsTheDevil.com lol in all seriousness everytime i've ever tried to get a CLI with Macys it's never happened.. Whats your current CL with them?? You have the store card or the amex?
I have the store card. I used to have a $1500 limit, and then somehow it started reporting as closed by account holder with a $100 limit. So I took a hard pull to re-open it in June... with an $800 limit. At least it still reports as the same tradeline with the original opening date.
@SwampSystems wrote:I have the store card. I used to have a $1500 limit, and then somehow it started reporting as closed by account holder with a $100 limit. So I took a hard pull to re-open it in June... with an $800 limit. At least it still reports as the same tradeline with the original opening date.
Well then at least its still reporting your original TL...
Two months ago I initiated a chat with a representative to have it raised. She said since they already have all the information, they will make an internal decision. I do know that they soft pull every few months for reviews though.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@Tommy5746 wrote:
@SwampSystems wrote:I have the store card. I used to have a $1500 limit, and then somehow it started reporting as closed by account holder with a $100 limit. So I took a hard pull to re-open it in June... with an $800 limit. At least it still reports as the same tradeline with the original opening date.
Well then at least its still reporting your original TL...
Yeah, that's why I took the hit to have it re-opened. It's one of my oldest tradelines, so I figured it would be good to keep even if I wasn't going to use it. But lately I'm starting to think with that small of a limit that it might be hurting me.
I got a CLI last week and it was a hp. FYI, Macys will always hp for a cli.
My Macy's card received a CLI at the 6 month mark. It was auto and there were no hard pulls. The card had minimal use and no balance.