Does anyone know what score is needed for initial Macy's card and what CR they pull?
Updates scores...inching along. Waiting for 7 recent medical collections to fall off!! (seriously working since END of May): EX 519 TU 576 EQ 449 8-02-08 EX 644 TU 647 EQ 575...650s here I come....700club, get ready!!!
Hi, I just received a macy's store card last month I live out in MA in which they pulled EX, and I believe they mostly pull from that cra, my fico score was 684/ fako score vantage 640 and unfortunately I still have quite a few baddies and 1 unpaid collection on my report with EX and still recieved the card. They gave me $200.00 cl but with macy's they give cli' s plus they have a visa account as well. I app'd in the store, and that is what i recommened for you, i feel there is a better chance for the card if you have blemish credit. Good Luck
Starting Score: EQ 546 TU 566 Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts Goal Score: 800
I got my Macy's card (with a $100 limit) when I didn't have ANY credit score - although I know that doesn't really help answer as to what the minimum score they'd want would be, I do know that they will approve people who don't even have a credit score or any sort of credit file for them to check.
I know I didn't have a credit file, as I'd only moved to the US on the Saturday, and went into Macy's on the following Monday about 20 minutes after opening a checking account, to buy some kitchen stuff. Wouldn't have dreamed of trying to get a card, but the sales assistant seemed convinced I would get one. I didn't have a social security number at that point, even - she said that didn't matter!
This is just what I've heard, rather than 'fact', but I think applying instore when making a purchase has a higher chance of getting accepted than just applying online - you might get accepted for a very low limit at first, but Macy's are very good with credit line increases. You can ask them to increase your limit every 90 days - I didn't find that out until I'd had my card for 6 months, but have called every 3 months since then and now have a $1400 limit.
Macys was my first Dept store card. At that time I had 3 baddies and my scores were in the high 5'S. They started me out with a 300 CL. Now I'm up to 1000. Always made small purchases ( I have plenty of socks for the next 5 years ). Most important I paid in full.