Credit Cards

[aquatic1]

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

[cabana7]

I think they are a big exp puller and they have gotten tighter...

[Creditaddict]

My ex was some how approved with 545.

but I would usually say closer to the 600.

and you should apply in store only 

[cartercorp]

Same here pulled EX.and i agree app in store..

Message Edited by cartercorp on 06-10-2009 07:23 AM

[aquatic1]

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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 

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what types of baddiesdid your ex have, if any?

[boamacy]

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

[dizbuster]

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.

[haulingthescoreup]

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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.

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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.

[armymom]

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.

[aquatic1]

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!