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Macys Upgrade to AMEX

Senior Contributor

Macys Upgrade to AMEX

Has anyone done this before? If so could you tell us your score, current balance on normal macys credit card, and credit UTILIZATION and inquries when upgrading to AMEX THANKS!

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 1 of 12
11 REPLIES
Super Contributor

Re: Macys Upgrade to AMEX

It's not upgrade. They will open a separate Macy's Amex if you get approved.  They will pull hard from EXP. I heard they need over 700 to get approved for Macy's Amex. My MACY'S AMEX has rewards and I don't know it's for all of them. I use it once every three or four months.

 

 

Ron.

Message 2 of 12
Senior Contributor

My bad yes Ive heard that it will report as a new acct. H...

My bad yes Ive heard that it will report as a new acct. Has anyone opened a new amex acct after reviewing your macys store acct?

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 3 of 12
Super Contributor

Re: My bad yes Ive heard that it will report as a new acct. H...

How long do you have the Macy's card?  I had the Macy's card for over two years when I applied for Macy's Amex.  I used it almost every month.

 

 

Ron.

Message 4 of 12
Senior Contributor

Re: My bad yes Ive heard that it will report as a new acct. H...

since 11/09 and current balance is @2,100 CL is $2.500 i did a via chat and the lady told me that having a high balance doesnt matters. Im currently at ELITE status. 

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 5 of 12
Valued Contributor

Re: My bad yes Ive heard that it will report as a new acct. H...

can confirm rep said it was a seperate account. 

 

had my macys card for 2 years next month with a 3.5k limit and 0 balance usually reporting. 184 right now since i bought a few work shirts. 

 

rep said it will be a hard credit inq. they can "upgrade" but will just be a new account and close my old one if thats what i wanted too do. i said i was just looking for info and  didnt want any pulls on my credit. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 6 of 12
Valued Contributor

Re: Macys Upgrade to AMEX

Score: somwhere around 730-760, not sure because tons of new accounts were reporting

Balance: none

Utilisation: None? If not that, it wa less than ten percent

Inquiries: 14? Maybe some more or less

 

I was approved a few days afterwards for a 5000 limit.

Message 7 of 12
Senior Contributor

Re: Macys Upgrade to AMEX

@navigatethis12 Thanks for your info apperciate it!! im in the same as you but i carry a balance

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 8 of 12
Regular Contributor

Re: Macys Upgrade to AMEX

i applied and approved for macys amex at the store today. i have $100 bal on my macys store card with a 2k cl, i had that card since may '10.

my score on all CR is around 730-760

Message 9 of 12
Frequent Contributor

Re: Macys Upgrade to AMEX

macy's amex is tough.....

 

I got one recently on a splurge.  high 700s credit score and 6 figure income.  Only approved for 1K limit. 

 

 

Message 10 of 12