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Moderator Emerita
Posts: 28,094
Registered: ‎04-01-2007
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Re: Macys Store Card, Just Applied, 10 day wait/processing/review???

 


score_building wrote:

FTR -Do not have to carry a balance with Discover to show activity.


Rollingstones wrote:

No, I just carry a small balance with Discover because they like acitivity.....got done to as of yesterday to 800 wtih CL at 6,500



 

+1

 

Activity = using the card during the month

 

Carrying balance = giving them money in the form of interest that you probably need more than they

 

The only cards for which I've seen convincing evidence that they sorta reward carrying balances are the bottom-feeder cards. Sure, the others would like to get some free money from you, but it's not necessary. I never carry a balance unless it's on a 0% BT or some other deal that makes sense at the time. (And even then, the BT fee works out to be the equivalent of interest, so that has to be weighed as well.)

 

I have other things to do with my money! Smiley Wink

* 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
Established Member
Posts: 120
Registered: ‎05-13-2010
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Re: Macys Store Card, Just Applied, 10 day wait/processing/review???

Well they must like it, just logged on my 1 YEAR 1 month ann. auto CLI from 6K to 10K!!!!!!! WHOOOPIE!!! and no hard pull i called the rep she said no sir, you run alot thru the car and make 4 payments amonth of around 4-5k your a A+++ Customer!!! i love my Discover More card, and as an added benefit they are giving me 6 more months of 0% apr!!!! yaya

Senior Contributor
Posts: 3,842
Registered: ‎01-10-2008
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Re: Macys Store Card, Just Applied, 10 day wait/processing/review???

Wait... you are referring to Discover or Macy's?

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Established Member
Posts: 120
Registered: ‎05-13-2010
0

Re: Macys Store Card, Just Applied, 10 day wait/processing/review???

Discover in your response to not carrying a balance on it, i have now 16 months 0 interest

Senior Contributor
Posts: 3,842
Registered: ‎01-10-2008
0

Re: Macys Store Card, Just Applied, 10 day wait/processing/review???

[ Edited ]

Congrats, just beware of their hefty BT fees, imo there are probably better options for bt than Discover.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Established Member
Posts: 120
Registered: ‎05-13-2010
0

Re: Macys Store Card, Just Applied, 10 day wait/processing/review???

NO BT dont carry them, but was CLI auto yesterday I LOVE DISCOVER maybe more than my amex hnmmmm ll

Senior Contributor
Posts: 3,842
Registered: ‎01-10-2008
0

Re: Macys Store Card, Just Applied, 10 day wait/processing/review???

 


Rollingstones wrote:

Discover in your response to not carrying a balance on it, i have now 16 months 0 interest


 

I must have misunderstood, here I thought you were indicating an interest in their BT.

 

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Established Member
Posts: 120
Registered: ‎05-13-2010
0

Re: Macys Store Card, Just Applied, 10 day wait/processing/review???

oh ya NO love Discover but BT haha no.....BT anywhere for that matter they all are pretty bad, thats why you should PIF or carry tiny balances and PIF as soon as O percent is gone! I do it! never with AMEX but everyone else ya....

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Senior Contributor
Posts: 3,842
Registered: ‎01-10-2008
0

Re: Macys Store Card, Just Applied, 10 day wait/processing/review???

 


sonson wrote:

Hey guys thanks for the info, 

 

Yea i called today to check the update and they told me they have no information of my file yet. maybe its still in processing, since i applied last Friday. the CSR told me if i had applied at the store i could of had a instance decision. next time i will apply instore.

 

thanks for your inputs.


 If a no go, I agree applying in store is the better option, hope it works out for you.

 

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover

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