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Mega Contributor
Creditaddict
Posts: 18,819
Registered: ‎10-23-2007

Re: Macys CLI

I know it's 2 credit lines. My question is when they give you increase on macy's at 3 months, will they automatically increase the visa by that much too? or do you have to apply for cli 2 different times?
Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Regular Contributor
grneydangl
Posts: 116
Registered: ‎03-19-2008

Re: Macys CLI

Is there anything you've done lately that may have cause the increase?  Spent more money with them, pay off the card, pay off other debts?
03/08 Exp: 590 EQ:592 TU: 609
04/08 Exp: 596 EQ: 572 TU: 610
11/08 Exp: ? EQ: 594 TU: ?
Valued Contributor
jmbfl
Posts: 1,185
Registered: ‎03-04-2008

Re: Macys CLI



Creditaddict wrote:
I know it's 2 credit lines. My question is when they give you increase on macy's at 3 months, will they automatically increase the visa by that much too? or do you have to apply for cli 2 different times?

They are two completely separate TL's. They are not equal and are administered separately They aren't even from the same issuer!. When your Macys card is converted to a Macys VISA you get a hard INQ - it is a new TL! An increase in one does not insure an increase in the other. The only way they relate to each other is that they accessed using the same plastic card.
Mega Contributor
Creditaddict
Posts: 18,819
Registered: ‎10-23-2007

Re: Macys CLI



jmbfl wrote:

They are two completely separate TL's. They are not equal and are administered separately They aren't even from the same issuer!. When your Macys card is converted to a Macys VISA you get a hard INQ - it is a new TL! An increase in one does not insure an increase in the other. The only way they relate to each other is that they accessed using the same plastic card.



Not the same bank??? who issues the visa?
They gave us the visa at time of applying, not upgrade.
Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
jmbfl
Posts: 1,185
Registered: ‎03-04-2008

Re: Macys CLI

[ Edited ]
There is another thread here where the exact reporting is noted:
 
MACYS = MACYDSNB
 
VISA = VISADSNB
 
They are both issued by DSNB which is a jointly owned operation of MACYS (formerly FDS) and CITI. The two trade lines are administered separately.


Message Edited by jmbfl on 09-29-2008 12:11 PM
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Macys CLI



jmbfl wrote:
There is another thread here where the exact issuers are noted:
 
MACYS = DSNB
 
VISA = CITI
 
They are not the same entitiy.


But related.
 

 
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Macys CLI



shirleyland wrote:
I was just checking my CR and discovered that Macys has increased my Cl from 300 to 2000. I am THRILLED. I started off with 200 in Dec 2007. I called in April to request CL and was only given a 100 CL. Has this happen to anyone without asking?

Congrats, OP! That's awesome. They are really good at CLIs. Macys just increased mine from $800 to $1500 and my Bloomies (same lender) went from $1000 to $1700 both by calling the CLI in. I don't think I spent more than $600 on each to date.
Valued Contributor
jmbfl
Posts: 1,185
Registered: ‎03-04-2008

Re: Macys CLI

[ Edited ]


llecs wrote:
...


See the minor correction previously posted.


Message Edited by jmbfl on 09-29-2008 12:17 PM
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Macys CLI



jmbfl wrote:


llecs wrote:


jmbfl wrote:
There is another thread here where the exact issuers are noted:
 
MACYS = DSNB
 
VISA = CITI
 
They are not the same entitiy.


But related.
 

 



See the minor correction previously posted.


Got it.
Established Member
shirleyland
Posts: 24
Registered: ‎05-11-2007

Re: Macys CLI

Thanks and Congrats, llecs

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