Reply
Contributor
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
Posts: 1,134
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
Posts: 2,262
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 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Contributor
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
Posts: 2,262
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 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
Posts: 445
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
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
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Quick question, Macy's store card

Lets hope they do. Good luck

Frequent Contributor
Posts: 463
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.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Contributor
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

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.