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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Macys CL increasedddd due to backdoor numberss!!

not sure for sure ymmv but i used this article 

 

http://ficoforums.myfico.com/t5/Credit-Cards/Check-to-see-if-a-card-pull-Hard-or-Soft-when-requestin...

 

every card i had that i asked for a cli was soft pull. 

which was 

macys

kohls(says their not doing them)

best buy(hsbc but was denied because it was a co account and my mothers credit is in the low 600's this card is helping her out. although there is now a 500 balance)

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
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Amex Zync(Unicorn)
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Frequent Contributor
Sparkz1920
Posts: 271
Registered: ‎08-09-2009
0

Re: Macys CL increasedddd due to backdoor numberss!!

They slashed my limit. Started off with $200.000 then they raised to ut 450 and when i purchased something last christmas it was at 150.00

 

I think i might  have had a late or two, so cant complain. Just wont be shopping there anytime soon.


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Current Score: 670
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Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Macys CL increased due to backdoor numberss!!

[ Edited ]

I dunno if its a hard pull or a soft pull. I assume it was a hard pull. They had my info on file already and asked me to verify if my info was the same. Then she left and came back and told me it was approved for $1,000. I just hated the $100 limit b/c it looked horrible on my CR when I bought stuff with the card. Then I'd be over utilization buying something that's like 80 bucks on $100 CL.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
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Contributor
irving_magik
Posts: 167
Registered: ‎07-13-2011
0

Re: Macys CL increasedddd due to backdoor numberss!!

Hi everyone, a little off subject, but who backs the Macy's card? Is it a GE card?
Fico Scores: TU 734 (08/12/2012) and EQ 716 (12/08/2012)

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Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Macys CL increasedddd due to backdoor numberss!!


irving_magik wrote:
Hi everyone, a little off subject, but who backs the Macy's card? Is it a GE card?

Dpt Store National Bank (DSNB) I believe. It's listed in their policies.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Epic Contributor
Creditaddict
Posts: 22,067
Registered: ‎10-23-2007
0

Re: Macys CL increasedddd due to backdoor numberss!!


maiden_girl wrote:

irving_magik wrote:
Hi everyone, a little off subject, but who backs the Macy's card? Is it a GE card?

Dpt Store National Bank (DSNB) I believe. It's listed in their policies.


Yes DSNB and that is owned/backed what ever by Citi.

 

Macy's CLI have always been SOFT for me on store, Visa, Amex, Furniture, Mattress.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
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Established Contributor
NikJ4
Posts: 662
Registered: ‎01-24-2008
0

Re: Macys CL increasedddd due to backdoor numberss!!


maiden_girl wrote:

NikJ4 wrote:

I am not eligible for the CL increase but since I missed a payment because I made it 10 min after cut off time, I got hit with a late. The lady was nice enough to remove it. I will take that and RUN!!!! Woohoo!!!!


Really?!! That sucks! I could have sworn they had a 5 day grace period...hmmm.

 

I was actually looking to upgrade to the AMEX card but the lady did a CL increase instead. I don't know which one was better! LOL!


Yes it did stink but glad its removed as a 1day late in their system. Ride it out and in 6 months go for the AMEX. 

 



Start Score:493Current Score:635
Goal Score: 700>>>>>App free since (umm not saying...I struggle with this)
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: Macys CL increasedddd due to backdoor numberss!!

Congrats !!

 

Time for me to call that backdoor since it's a SP.





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