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Regular Contributor
let
Posts: 222
Registered: ‎12-29-2008
0

Thinking of applying for a Macy's card

Eq- 652   6 inq

Tu-  641   5 inq

Ex- 642    more than 5 inq

 

in your opinion is it worth the hard pull, do I have a chance for a CC?

 

also,

 

No collections on Eq, one on TU due to fall of this month, Ex 3 collection accounts.  I have HSBC, Visa from my CU, Credit one, and 1st Premier.  TIA

Established Contributor
PurpleHaze
Posts: 717
Registered: ‎03-05-2008
0

Re: Thinking of applying for a Macy's card

[ Edited ]

I'm in Ohio and Macy's pulled EX for me.  EX appears to be your worst report in terms of collections and inquiries. I dont think I would chance it, but see how other members feel.

 

ETA: missing words

Message Edited by PurpleHaze on 09-08-2009 04:41 PM

Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


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Epic Contributor
Creditaddict
Posts: 21,724
Registered: ‎10-23-2007
0

Re: Thinking of applying for a Macy's card

Apply in store, not online
Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
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Valued Contributor
wmarat
Posts: 1,754
Registered: ‎11-03-2007
0

Re: Thinking of applying for a Macy's card

Macy's exclusively pulls EXP. Apply in store.
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Regular Contributor
let
Posts: 222
Registered: ‎12-29-2008
0

Re: Thinking of applying for a Macy's card

Yeah, I don't think I'll apply afterall, not really worth the hard pull.  Thanks to everyone for the help!
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Thinking of applying for a Macy's card


let wrote:

Eq- 652   6 inq

Tu-  641   5 inq

Ex- 642    more than 5 inq

 

in your opinion is it worth the hard pull, do I have a chance for a CC?

 

also,

 

No collections on Eq, one on TU due to fall of this month, Ex 3 collection accounts.  I have HSBC, Visa from my CU, Credit one, and 1st Premier.  TIA


Macy's pulls EX - the score is fine, but too many INQ's for app'ing. Wait until some INQ's fall off - then you should be quite fine to app. Be sure to app in-store. Do not app online.

Established Contributor
Cory
Posts: 671
Registered: ‎03-15-2007
0

Re: Thinking of applying for a Macy's card

I just closed my Macy's card. I was never going to use it again anyway. Interest rate is to high, and I'm a interest payer. I look for the best deals.

 

Cory

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Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Thinking of applying for a Macy's card

Macy's is the best store card there is. Kohl's is number two. Everything else is a distant third.

 

APR's don't matter if you PIF.

 

Locate CreditAddicts thread regarding Macy's GLI for some interesting commentary.

Regular Contributor
Macroman
Posts: 129
Registered: ‎05-17-2008
0

Re: Thinking of applying for a Macy's card


creditwherecreditisdue wrote:

Macy's is the best store card there is. Kohl's is number two. Everything else is a distant third.

 

APR's don't matter if you PIF.

 

Locate CreditAddicts thread regarding Macy's GLI for some interesting commentary.


 

Dell has been pretty good to me in the store card category, but of course Dell is not exactly a department store.

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