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Established Contributor
aquatic1
Posts: 620
Registered: ‎08-16-2008

Macy's?

Has anyone been approved for a Macy's card?  If so, what was your score(s) and who did they pull? 

Starting Score: TU:537
Current Score: TU:683 (3/11/10)
Goal Score: TU:740


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Valued Member
cabana7
Posts: 42
Registered: ‎11-08-2008

Re: Macy's?

I think they are a big exp puller and they have gotten tighter...
Mega Contributor
Creditaddict
Posts: 18,484
Registered: ‎10-23-2007

Re: Macy's?

My ex was some how approved with 545.

but I would usually say closer to the 600.

and you should apply in store only 

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
ENTERED GARDEN 07/07/2014 After getting auto loan
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640... The List Goes On!
Mine: I have to many... (20+) They won't fit :smileytongue:
Established Contributor
cartercorp
Posts: 851
Registered: ‎07-01-2008

Re: Macy's?

[ Edited ]
Same here pulled EX.and i agree app in store..
Message Edited by cartercorp on 06-10-2009 07:23 AM
Established Contributor
aquatic1
Posts: 620
Registered: ‎08-16-2008

Re: Macy's?


Creditaddict wrote:

My ex was some how approved with 545.

but I would usually say closer to the 600.

and you should apply in store only 


what types of baddiesdid your ex have, if any?


Starting Score: TU:537
Current Score: TU:683 (3/11/10)
Goal Score: TU:740


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Contributor
boamacy
Posts: 86
Registered: ‎06-07-2009

Re: Macy's?

[ Edited ]

Got their store card last month with a toy cl of $200.

you have to apply in the store to increase your chances of getting the card with a decent cl, but that will depend of your experian report and "experian plus" score. You will be offered one application for 2 cards the store card and the Macy's visa card (1 inquiry )Didn't want the visa, high APRs 21 to 29% and I was only interested in their regular cli (every 3 months) on the store card, but it s not the case anymore. Maybe the opposite now !

Edited to remove non-FICO link.

I think with an experian plus score of 600 you should be fine but if like me,you want the card only for the regular cli,  I d skip it ! ...i called them like 10 or 15 times to get a cli to buy a mattress, NO was the answer you have to have the card for at least 6 months and by then the best thing that could happen is your cl will double in my case 200 to 400   no good ! Plus their staff is ridiculously overpriced

anyway, wish you luck !

Message Edited by haulingthescoreup on 06-10-2009 04:40 AM
Frequent Contributor
dizbuster
Posts: 289
Registered: ‎12-01-2008

Re: Macy's?

I got the Macy's card in April of this year. Pulled ex here in Wash. state. Although I don't know my exact score, it was around 635 fico last time I was able to see it. $400 cl to start.

 

Baddies: BK 04

 

Judgements: 2 in 05 and 06

 

Collections: 2 in 05 and 06, both small and unpaid.

 

A few accounts still showing as included in BK. A few late payments from 4 or 5 years ago. I think that's it.

 

Anyway, one month later they upped my cl to $600. That was kinda weird but I'm not complaining. Hope this helps.

A smooth sea never made a skilled mariner.
7/6/2009 Equ 664 TU 680 (15 and 19 point jump respectively this week, over 100 point increase in 6 months)
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Macy's?


boamacy wrote:

Got their store card last month with a toy cl of $200.

you have to apply in the store to increase your chances of getting the card with a decent cl, but that will depend of your experian report and "experian plus" score.



boamacy, I read through that link, and there was nothing there about them using an Experian PLUS score.

Did you read that somewhere else? After a lot of hunting, I did find documentation that Kohl's uses a Vantage score, but that's the only evidence I've ever seen of any CC using a FAKO.
* 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
Regular Contributor
armymom
Posts: 204
Registered: ‎01-18-2009

Re: Macy's?

I work in the store and we are seeing more unapproved applications in the last few months.  I have also had customers say Macy's has cut their CL.

EQ Fico 01/10 743
TU Fico 01/10 716
Established Contributor
aquatic1
Posts: 620
Registered: ‎08-16-2008

Re: Macy's?

I worked at MAcy's during the holiday and I guess I should have applied then.  EX is probably my highest score at this time and I am waiting for my last two collections to be deleted hopefully in the next couple weeks.  The low credit limit is horrible but I need to start somewhere and I do shop there especially when I get the friends and family discounts!

Starting Score: TU:537
Current Score: TU:683 (3/11/10)
Goal Score: TU:740


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