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Contributor
toiletbowl69er
Posts: 106
Registered: ‎11-08-2012
0

Quick question, Macy's store card

Does anyone know if requesting a credit limit increase through the Macy's website results in a hard inquiry? This is for the store card, not the Amex version. Answers would be greatly appreciated.

Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12
Valued Contributor
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
0

Re: Quick question, Macy's store card

You can't request a CLI through the website unless it's via the chat feature.  

 

I just requested one a few weeks ago.  It's a soft on EQ.  

Valued Contributor
creditnocash
Posts: 2,201
Registered: ‎07-23-2012
0

Re: Quick question, Macy's store card

its ymmv. 

ive seen a couple people post on here saying it was a hard. 

i called in july and it was a soft. not sure which report since i only pulled form here and amex. 

 

went from 100(dec 10') to 2k(jun' 12)this was an auto cli i never requested it.(showed on my statment when i bought something) and 3.5k soft pull in july '12

Current: Discover Fico 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Contributor
toiletbowl69er
Posts: 106
Registered: ‎11-08-2012
0

Re: Quick question, Macy's store card


creditnocash wrote:

its ymmv. 

ive seen a couple people post on here saying it was a hard. 

i called in july and it was a soft. not sure which report since i only pulled form here and amex. 

 

went from 100(dec 10') to 2k(jun' 12)this was an auto cli i never requested it.(showed on my statment when i bought something) and 3.5k soft pull in july '12


Okay. I sent them a secured message asking the same question but as always I am being impatient. Thanks for the replies I will let you guys know what they tell me when I receive a message.

 

Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12
Valued Contributor
creditnocash
Posts: 2,201
Registered: ‎07-23-2012
0

Re: Quick question, Macy's store card


toiletbowl69er wrote:

creditnocash wrote:

its ymmv. 

ive seen a couple people post on here saying it was a hard. 

i called in july and it was a soft. not sure which report since i only pulled form here and amex. 

 

went from 100(dec 10') to 2k(jun' 12)this was an auto cli i never requested it.(showed on my statment when i bought something) and 3.5k soft pull in july '12


Okay. I sent them a secured message asking the same question but as always I am being impatient. Thanks for the replies I will let you guys know what they tell me when I receive a message.

 


i woudn't trust that as most of them are auto generated. 

i asked about an amex upgrade and they said that they can transfer my store card to an amex. 

when i know for a fact its a seperate line. and the macys card is still open. 

 

fyi i called the number on the back of the card. put in my info and hit 0 until someone came on. then asked for the cli and they called uw instead of me being transferred to them. 

Current: Discover Fico 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011
0

Re: Quick question, Macy's store card

I called them one time about 6-8 months ago and asked for a senior credit  manager. I asked them if its going to be a hard pull and they said no. Recorded conversation. Checked reports and it was a soft.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Contributor
toiletbowl69er
Posts: 106
Registered: ‎11-08-2012
0

Re: Quick question, Macy's store card


Brian_Trying_700 wrote:

I called them one time about 6-8 months ago and asked for a senior credit  manager. I asked them if its going to be a hard pull and they said no. Recorded conversation. Checked reports and it was a soft.


That sounds promising maybe I'll give them a call as well. Do you guys think they'll give me an increase based on my income alone? Because I only use that card maybe once a year which obviously doesn't look that good. 

Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Quick question, Macy's store card

Lets hope they do. Good luck

Frequent Contributor
wreith
Posts: 453
Registered: ‎06-13-2012
0

Re: Quick question, Macy's store card

I have had the macys store card since July, I got a 600 CL when opening in store, I have used it twice since then.  I decided on a whim after reading this thread to use the chat function for a CLI.  They said they would have to review my CR, and when I asked if HP or SP they said HP.  I figured I've gone this far might as well go all the way.  They asked how much I wanted I asked for an increase to 1500, they countered with 1100, so nearly double what I started with.  So YMMV when it comes to a HP or SP, but the chat feature was pretty painless.

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $10.2K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $5300
Contributor
toiletbowl69er
Posts: 106
Registered: ‎11-08-2012
0

Re: Quick question, Macy's store card


wreith wrote:

I have had the macys store card since July, I got a 600 CL when opening in store, I have used it twice since then.  I decided on a whim after reading this thread to use the chat function for a CLI.  They said they would have to review my CR, and when I asked if HP or SP they said HP.  I figured I've gone this far might as well go all the way.  They asked how much I wanted I asked for an increase to 1500, they countered with 1100, so nearly double what I started with.  So YMMV when it comes to a HP or SP, but the chat feature was pretty painless.


Really helpful. Thanks. they have yet to message me back but I definitely don't want or need another hard inquiry trying to have a spotless cr for when I apply for my chase sapphire. 

Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12

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