Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 407
Registered: ‎04-15-2013
0

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- 34500 -BOA 123 48000 -Freedom unlimited-35000- Citi Forward- 50000 -Citi DC- 66000-Prestige 50000-CSR 35000
Garden mode 3/25/14



Mega Contributor
Posts: 17,148
Registered: ‎08-08-2011
0

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.


IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $10k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Senior Contributor
Posts: 7,693
Registered: ‎01-05-2013
0

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: 407
Registered: ‎04-15-2013
0

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- 34500 -BOA 123 48000 -Freedom unlimited-35000- Citi Forward- 50000 -Citi DC- 66000-Prestige 50000-CSR 35000
Garden mode 3/25/14



Epic Contributor
Posts: 29,091
Registered: ‎10-23-2007
0

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.

Established Contributor
Posts: 533
Registered: ‎11-30-2013
0

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: 17,148
Registered: ‎08-08-2011
0

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!


IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $10k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Moderator
Posts: 28,661
Registered: ‎12-13-2013
0

Re: Question from my Mom!

+3

Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0

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.

Frequent Contributor
Posts: 290
Registered: ‎12-01-2012
0

Re: Question from my Mom!

 

+ 1

FICO Score 8: EQ 813 EX 809 TU 815 **** FICO Bankcard 8: EQ 837 EX 826 TU 841 **** VantageScore 3.0: EQ 823 EX 818 TU 821
TOTAL CL (6 cards): $118.9K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 0(0) TU 1(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 800+

NASA FCU Rewards Visa 30K || Amex BCE 25K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 12.4K || Discover it 10K **** CLOSED 7 cards **** GARDENING since 9-26-2014

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.