In 11/12, I applied online for a Macys CC, was denied and received a letter stating that the reasoning was due to little or no credit history found. I spoke to a rep. on the phone who suggested I get a secured cc (which I did, 12/12 Capital One secured) and reapply after a couple of months. No missed payments on the Cap.One, 300 limit.. I applied in store today and was told that I would receive a letter in the mail. I've seen posts where people have had denials reversed. Any tips???? Thanks in advance!!!
Starting Score: 548
Good luck...I hope you get it. I don't have a Macy's card because posts say that there is no "real" limit, and it's a "hit-or-miss" each time you are at the register. They also have an AmEx branded Macy's card if I'm not mistaken.
Thats weird when my sister applied she only had one card that was 2 months old(her first card) and after applying online she got the 7-10 days, so she just decided to speak to a rep via chat and was approved for $300. So you should of been approved after having that Capital One Secured Card.
Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
@knightlynews wrote:
In 11/12, I applied online for a Macys CC, was denied and received a letter stating that the reasoning was due to little or no credit history found. I spoke to a rep. on the phone who suggested I get a secured cc (which I did, 12/12 Capital One secured) and reapply after a couple of months. No missed payments on the Cap.One, 300 limit.. I applied in store today and was told that I would receive a letter in the mail. I've seen posts where people have had denials reversed. Any tips???? Thanks in advance!!!
Sorry for your denial. IMO if your scores are correct in your siggy you probably should have waited until the mid600s. Thats not saying you need mid 600s for approval- is there anything else in your profile ? Baddies?
@indiolatino61 wrote:Good luck...I hope you get it. I don't have a Macy's card because posts say that there is no "real" limit, and it's a "hit-or-miss" each time you are at the register. They also have an AmEx branded Macy's card if I'm not mistaken.
I have Macys card with a limit. Yes, they do have an Amex branded card.
Yes, give them a call. Normally they are pretty good about helping you get started with credit. Macys was one of my first accounts when I started rebuilding 2 years ago.
*8/10/13
No baddies, 3 old medical bills, all paid in full!
I'm going to call them first thing monday morning! Its crazy to have to beg for a $100 Macy's card......Also, does anyone know if the backdoor numbers are still legit? I believe the Macy's one was originally posted in 09, just hoping its been updated!
