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Frequent Contributor
Posts: 375
Registered: ‎04-15-2013
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Question from my Mom!

So guys my mom has a Macy card, I guess it is a credit card because on her Macy statement it say her credit line is $400. Is this a credit card or store card or is it the same? She has this card for 6 years to date already and I was wondering if she can request a CLI?

BCE- 34000 -BOA 123 14400 -Freedom- 33000- Citi Forward- 22000 -Citi DC- 29000-CSP 38.5k
Garden mode 3/25/14



Mega Contributor
Posts: 16,831
Registered: ‎08-08-2011
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Re: Question from my Mom!

Yes she can ask for a CLI depending on amount it may be a HP or SP. good luck to her.

US Bank Cash+ (VSig) $10k / US Bank Ace (VSig) $10K / Discover IT $10k
Sam's Mastercard $8.5k / Walmart Mastercard $8k / PayPal SmartConnect $5.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.55k / Citi DC (WMC) $3k
Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Senior Contributor
Posts: 7,495
Registered: ‎01-05-2013
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Re: Question from my Mom!

If it is just the plain Macy's card then it is a store card that can be used for store purchases.  If it's the Macy's Amex then she can use it for purchases at Macy's and other locations.  Either way it is a credit card, since she is allowed to carry a balance.

 

Yes, she can request a CLI.  Does she have other CCs?  Any missed payments or other problems on her files?  Does she know her credit score?

Frequent Contributor
Posts: 375
Registered: ‎04-15-2013
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Re: Question from my Mom!

The Macy card was her first card and she say it's around 6-9 years old... She also has amex bce (6000), freedom(700), CSP (5000), and TYP ( 5500). Her credit scores are all 750+. Never miss a payment for 9 year and nt bad n 0 balances on all cards.


BCE- 34000 -BOA 123 14400 -Freedom- 33000- Citi Forward- 22000 -Citi DC- 29000-CSP 38.5k
Garden mode 3/25/14



Epic Contributor
Posts: 25,853
Registered: ‎10-23-2007
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Re: Question from my Mom!


JaeJae12 wrote:

The Macy card was her first card and she say it's around 6-9 years old... She also has amex bce (6000), freedom(700), CSP (5000), and TYP ( 5500). Her credit scores are all 750+. Never miss a payment for 9 year and nt bad n 0 balances on all cards.


I would call up and ask for the CLI to go to $5k, they will counter with the highest they can go.

Also they will tell you it'sa  hp and almost always it's NOT... they use the SP on file.

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Established Contributor
Posts: 533
Registered: ‎11-30-2013
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Re: Question from my Mom!


Creditaddict wrote:

JaeJae12 wrote:

The Macy card was her first card and she say it's around 6-9 years old... She also has amex bce (6000), freedom(700), CSP (5000), and TYP ( 5500). Her credit scores are all 750+. Never miss a payment for 9 year and nt bad n 0 balances on all cards.


I would call up and ask for the CLI to go to $5k, they will counter with the highest they can go.

Also they will tell you it'sa  hp and almost always it's NOT... they use the SP on file.


+1

My Wallet:Fidelity Amex $1K, DCU $3.9K, US Bank AeroMexico $300, Quicksilver $1.3K, Cap1 secured MC $750, DiscoverIT $200, Care Credit $5K, Sportsman Guide Visa $3K, Kay $3K, Jared $3K,American Airlines CC $3K, Amazon $2.9k, Walmart $2.2k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
Mega Contributor
Posts: 16,831
Registered: ‎08-08-2011
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Re: Question from my Mom!


ptilda wrote:

Creditaddict wrote:

JaeJae12 wrote:

The Macy card was her first card and she say it's around 6-9 years old... She also has amex bce (6000), freedom(700), CSP (5000), and TYP ( 5500). Her credit scores are all 750+. Never miss a payment for 9 year and nt bad n 0 balances on all cards.


I would call up and ask for the CLI to go to $5k, they will counter with the highest they can go.

Also they will tell you it'sa  hp and almost always it's NOT... they use the SP on file.


+1


+2 With that kind of credit file!

US Bank Cash+ (VSig) $10k / US Bank Ace (VSig) $10K / Discover IT $10k
Sam's Mastercard $8.5k / Walmart Mastercard $8k / PayPal SmartConnect $5.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.55k / Citi DC (WMC) $3k
Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Moderator
Posts: 22,627
Registered: ‎12-13-2013
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Re: Question from my Mom!

+3


EX Fico 08 BC 08/15: 798 (-8); EX Fico 04 V2 06/14: 775
EQ Beacon 5.0 12/14 757
TU Fico 8 08/15: 761 (+6)
Senior Contributor
Posts: 9,269
Registered: ‎10-21-2012
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Re: Question from my Mom!


JaeJae12 wrote:

The Macy card was her first card and she say it's around 6-9 years old... She also has amex bce (6000), freedom(700), CSP (5000), and TYP ( 5500). Her credit scores are all 750+. Never miss a payment for 9 year and nt bad n 0 balances on all cards.


Looks like she's overdue for a CLI if she wants to start using it again.  Was there any kind of usage at all before or did she forget about the CC?  Hopefully they will be able to grant a CLI via SP.  Good luck on your mom's request.

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Frequent Contributor
Posts: 289
Registered: ‎12-01-2012
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Re: Question from my Mom!

 

+ 1

FICO Score 8: EQ 806 EX 804 TU 815 **** FICO Bankcard 8: EQ 833 EX 826 TU 841 **** VantageScore 3.0: EQ 821 EX 809 TU 809
TOTAL CL (6 cards): $117.0K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 3(1) TU 3(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 800+

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