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Macys Store Card into Visa

Regular Contributor

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


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Message 1 of 6
5 REPLIES
Valued Contributor

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
Message 2 of 6
Moderator Emeritus

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.
Message 3 of 6
Regular Contributor

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 02/2017 EQ 649, TU 642, EX 651

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In the garden until 2018
Message 4 of 6
Senior Contributor

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

Message 5 of 6
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Frequent Contributor

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
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