01-05-2010 11:37 AM
01-05-2010 11:46 AM
Thanks for your kind and valuable contribution. I received the Macy's card the other day and they mailed me the Macy's Visa, product which I did not ask for. When applying for the store card, they had asked me if I wish for the Macy's Visa as well. I answered no, perhaps in the future. Well, I received the Macy's Visa card with a $6,000.00 CL. Should I still ask them for an increase on the Macy's store card? It remained at $1,200. BTW, what were your scores when you asked them for a 10K CL and was the request for the store card or for the Macy's Visa?
Thanks in advance for your assistance!
01-05-2010 11:50 AM
yes you should ask for it. in my experience you can ask for more than the CLI offered every 3 months for store and now 6 months for visa.
I started with 1k store and 2k visa, 1 year later I now have 10k store, 12k visa. My first 2 increases I asked for double current CL and was given it even though the computer had only originally offered me the common $700
01-05-2010 11:56 AM - edited 01-05-2010 11:57 AM
Firstly, Happy New Year! Hoping you had a wonderful holiday! I was actually declined but after much persistence and diligence, I was approved for a small CL of $500.00 for the store card. I do recall that you had conveyed to request an upgrade but they declined. :-(
Congrats on the Nordstrom recon! Once you're in with Nordies, you're in, and it's nice to see someone understand it's a victory not an insult to gain the store card in this respect. I'm sure with good history, you'll be good to go on the Signature Visa upgrade later this year.
Edit to add: And even bigger congrats on the Macy's Visa!
01-05-2010 05:58 PM
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