Regular Contributor
Posts: 176
Registered: ‎03-11-2010

Macys Store Card into Visa

I'm wondering if I can convert my Macys store card (which I hardly ever use, hard to spend money when you're trying to be frugal) and was wondering if I can convert this to one of their Visa store cards. How can I go about doing that?


I'm figuring it'll be easier to do it with them since I already have a card with them. No?

Starting Score(4/1/10): EQ: 631--- TU: 646
Current Score(4/1/10): EQ: 725--- TU: 686
Goal Score: EQ: 850--- TU: 850

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,512
Registered: ‎01-29-2008

Re: Macys Store Card into Visa

I hear you have to go into the store to apply and it is a hard pull also the APR is HIGH.  It is not an upgrade like a Nordstrom store card to a Visa card.

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008

Re: Macys Store Card into Visa

I think Macy's announced that they will no longer be offering the Visa, but will now offer a Macy's AmEx card in addition to the store card.

Just puttin' syrup on something, don't make it pancakes.
Regular Contributor
Posts: 204
Registered: ‎01-18-2009

Re: Macy's Store Card into Visa

You will need to call Macy's cs to inquire about upgrading to a Macy's Visa.  Not sure if having a Macy's will go in your favor as far as upgrading but requesting their visa is a hard pull.  According to the press release Macy's Amex goes into effect sometime later this year .

EQ Fico 01/10 743
TU Fico 01/10 716
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010

Re: Macy's Store Card into Visa

I would wait until they have switched from VISA to AMEX co branding.    CitiBank is issuer.   Good Luck

Frequent Contributor
Posts: 449
Registered: ‎02-21-2009

Re: Macy's Store Card into Visa

if you get 'upgraded' to the macy branded visa, two accounts will show up on your credit report. 

TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+