Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 176
Registered: ‎03-11-2010
0

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: 1,544
Registered: ‎01-29-2008
0

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: 4,469
Registered: ‎12-31-2008
0

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: 236
Registered: ‎01-18-2009
0

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 .

Filed BK 07/07/15 Discharged 10/07/15
Starting scores 11/2015 EQ 567 TU 487 EX 531
Current scores 07/2016 EQ 634, TU 618, EX 631

Cap 1 QS 4500 Cap QS 3000 NFCU GoRewards 1000 NFCU CLOC 500
In the garden until 04/ 2017
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
0

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

Highlighted
Frequent Contributor
Posts: 449
Registered: ‎02-21-2009
0

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.