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Question from my Mom!

Frequent Contributor

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- 98000-Prestige 50000-CSR 35000
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Message 1 of 10
9 REPLIES
Mega Contributor

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.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 10
Senior Contributor

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?

Message 3 of 10
Frequent Contributor

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- 98000-Prestige 50000-CSR 35000
Garden mode



Message 4 of 10
Epic Contributor

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.

Message 5 of 10
Established Contributor

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
Message 6 of 10
Mega Contributor

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!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 7 of 10
Moderator

Re: Question from my Mom!

+3

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 8 of 10
Senior Contributor

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.

Message 9 of 10
Frequent Contributor

Re: Question from my Mom!

 

+ 1

FICO Score 8: EQ 815 EX 809 TU 814 **** FICO Bankcard 8: EQ 837 EX 826 TU 841 **** VantageScore 3.0: EQ 824 EX 823 TU 822
TOTAL CL (6 cards): $127.7K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 800+
r>>
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 16.2K || Discover it 10K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Message 10 of 10