Credit Cards

[laryn41]

Is one more leinent then the other? 

[laryn41]

like old navy.  Would I be more app to get approved in the store rather than online.

[FICO_Focused]

Macy's keeps online apps CLs low for a period of at least 6 months as opposed to in store applications.

I don't know about Old Navy, I got mine at the register but the limit was MUCH higher than the online Macys limit.

Rob

[laryn41]

but are they easiers to get approved at register

[FICO_Focused]

It seems as though there is motivation to approve based on your purchase vs. just an interested consumer.

Rob

[jcmycology]

I haven't applied in store yet for any. Although when a few I know have- they were approved, with 'ok' credit. I think it does have something to do with how much you buy - limit wise.

Macy's wasn't too shabby with me online either - I was approved for $1000

[daytona18]

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jcmycology wrote:

I haven't applied in store yet for any. Although when a few I know have- they were approved, with 'ok' credit. I think it does have something to do with how much you buy - limit wise.

Macy's wasn't too shabby with me online either - I was approved for $1000

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Was the approval instant for Macy's?  What do they pull and what kind of scores do you have?