Credit Card Center Advertiser Disclosure

Posts: 25
Registered: ‎03-12-2007
0 Kudos

Macy's changing to amex

Just found out Macy's is changing my visa card to an american express.  This card is both a store card and a regular visa.  Of course my acct # will change and the visa will be canceled.  How will this affect me and my score?  I really don't need an amex but will probably keep it.  Does this show up like I've canceled the card?  Does it show up somewhere that it was done by the company and not me?  Does it look like I've opened new credit?  This isn't  the first time my cc companies make decisions for me.  Don't like my score being messed with.

Epic Contributor
Posts: 29,450
Registered: ‎10-23-2007
0 Kudos

Re: Macy's changing to amex

should not effect your credit. I would imagine the amex will report as opened when you opened your visa

Established Contributor
Posts: 790
Registered: ‎09-09-2008
0 Kudos

Re: Macy's changing to amex

I also heard that the history and everything should remain, just the account number(s) change(s). I guess the effect would be similar to getting a replacement card for a compromised credit card, where the issuer normally just replaces the number and keeps everything else the same. The issuer (Citi) will still be the same as before.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.