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Frequent Contributor
Posts: 268
Registered: ‎08-14-2008
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Macy's & inactive account, yet open, Please note below - GREAT SUCCESS

[ Edited ]
Hello everyone
 
My wife has a Macy's card,. I really want the benefit of the long history although its low limit only 500, But the account has opened back in 97.
 
The card shows as open in all credit reports, yet when she called Macy, rep indicated that its inactive due to no activity, and that she has to apply for a new card
 
but that defeats the purpose, we want the age , and I was hoping to add myself as authroized user eventually
 
any advice? or anyone came across anything similar???
 
 


Message Edited by pokerpro on 09-02-2008 05:05 AM

BK7 Discharge: October 2004 Starting Score: 590 December EQ & EX & TU FICO Score: 825 & 827 & 827

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Senior Contributor
Posts: 3,017
Registered: ‎06-03-2008
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Re: Macy's & inactive account, yet open, Please note below

Wonder what would happen if she tried to use it in the store...maybe it still works if they are still reporting it open. Ya never know...I'd try it before I applied again.
Frequent Contributor
Posts: 268
Registered: ‎08-14-2008
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Re: Macy's & inactive account, yet open, Please note below

she lost the card, which triggered calling them,
 
i dont think they will send a new card when the account is stated as inactive
 
any advice

BK7 Discharge: October 2004 Starting Score: 590 December EQ & EX & TU FICO Score: 825 & 827 & 827

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: June 2012 Garden Goal: October 2014

Wish List: | Amex SPG



Contributor
Posts: 89
Registered: ‎03-20-2008
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Re: Macy's & inactive account, yet open, Please note below

Take the account number off of credit report.  Go into Macy's store and try to charge something.  This will let you know if you can.  You don't have to have a card to charge, just acct. number.  At least, this is what they told me on my acct before I received the card.  2 weeks ago, I went into Macy's and charged $129.00 for 2 suits with just the number written down on paper.
 
 
2/12/11 FICO EQ 663
12/09 FICO EQ 646 EX: TU:657 EX 647 (Mortgage broker pulled)
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Registered: ‎04-01-2007
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Re: Macy's & inactive account, yet open, Please note below

And you can try the same thing online. I've read where people have revived accounts this way. Long as you don't need that pesky 3-digit code on the back, but store cards often don't have these.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Member
Posts: 29
Registered: ‎06-01-2008
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Re: Macy's & inactive account, yet open, Please note below

I would call again and inquire. Just because one CSR says no doesn't mean it can't be done. Maybe ask for a supervisor. I know I read recently about a person getting their account reopened after like 9 years. They were bragging about having all that age added to their reports. If it works, please let us know. Or even if it doesn't. Good luck.
Frequent Contributor
Posts: 268
Registered: ‎08-14-2008
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Re: Macy's & inactive account, yet open, Please note below

Thanks alot guys for your suggestions
 
I will try the store option
and calling again and talking to a different CSR, or a supervisor
 
I will definitely post either the success of failure of my attempt
 
 

BK7 Discharge: October 2004 Starting Score: 590 December EQ & EX & TU FICO Score: 825 & 827 & 827

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: June 2012 Garden Goal: October 2014

Wish List: | Amex SPG



Senior Contributor
Posts: 3,017
Registered: ‎06-03-2008
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Re: Macy's & inactive account, yet open, Please note below

I would not call again. Don't need to stir the pot or get in touch with a CSR that may be able to really close the account.  It may just be in an inactive state and sometimes using the card will wake things up even if the CSR does say it's closed.
Frequent Contributor
Posts: 268
Registered: ‎08-14-2008
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Re: Macy's & inactive account, yet open, Please note below

UPUP - I will take your advice and not call again
 
it is inactive status, according the CSR when we called few days ago, he agreed its open but inactive
which is consistent with the credit report anyway
 
Experian does not show the full account number, would any of the other credit reports do that..
 
or perhaps just go to a Macy's and see if we can charge something just with the name address and SSN number
 
 

BK7 Discharge: October 2004 Starting Score: 590 December EQ & EX & TU FICO Score: 825 & 827 & 827

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: June 2012 Garden Goal: October 2014

Wish List: | Amex SPG



Senior Contributor
Posts: 3,017
Registered: ‎06-03-2008
0

Re: Macy's & inactive account, yet open, Please note below

Sometimes the other reports will give you different parts of the account number. Maybe you can use all three to piece together the actual account number. If you pull directly from one of the bureaus it may give you more of the Acct# as well. A lot of times I get more information from the reports directly from the individual bureaus. I go in and just say you want to take advantage of the sales and just realized you don't have your card on you, it's been a while since you've used and it and you were wondering if they could look it up. Go to customer service with something in your hand. They'll be less liekly to turn you away if you are ready to buy, I think.

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