Reply
Frequent Contributor
MichiganMommy
Posts: 319
Registered: ‎05-31-2008
0

What Credit Score is needed for Macy's Card?

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!!!
Established Contributor
nicemann
Posts: 583
Registered: ‎03-12-2008
0

Re: What Credit Score is needed for Macy's Card?



MichiganMommy wrote:
Does anyone know what score is needed for initial Macy's card and what CR they pull?


Check out http://www.whogavemecredit.com/index.php  Macy's has a lot of replies with scores and CRs they pull
As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Valued Contributor
debtisgood
Posts: 1,126
Registered: ‎03-25-2008
0

Re: What Credit Score is needed for Macy's Card?

I recall people from the forums getting the card with low 600s, 620-630 if they have no recent baddies or unpaid collections.
 
Goodluck!
Valued Contributor
tray
Posts: 1,460
Registered: ‎01-29-2008
0

Re: What Credit Score is needed for Macy's Card?

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
Established Contributor
fevmlo
Posts: 640
Registered: ‎03-28-2008
0

Re: What Credit Score is needed for Macy's Card?

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.
EQ: 723 / TU: 760 (August 2009)
Regular Contributor
Kartel34
Posts: 157
Registered: ‎05-01-2008
0

Re: What Credit Score is needed for Macy's Card?

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 :smileyvery-happy:). Most important I paid in full.
 
Hope that helps.
Valued Member
JDeans
Posts: 37
Registered: ‎02-18-2008
0

Re: What Credit Score is needed for Macy's Card?

They pulled EX for me with a score of 666 (--nice) and I got $600 store card / $2000 VISA.
Almost in the 700 Club!!!
Started 4/05/08 TU 648 EQ 655 EX 653
As of 7/27/08 TU 655 stupid collection EQ 691 EX 689
Established Contributor
unknown_entity
Posts: 853
Registered: ‎03-21-2008
0

Re: What Credit Score is needed for Macy's Card?

I think all that is required is a pulse to get a $100 CL from the online application.(lol)  If you apply at the store yopu'll probably get a higher CL. 
07/26/2007 TU-688
EQ-656
EX-649
Valued Contributor
debtisgood
Posts: 1,126
Registered: ‎03-25-2008
0

Re: What Credit Score is needed for Macy's Card?

They usually give out 100 online because they view it as a higher risk of identity theft. If you call in and provide more info they usually raise it up to between 300-1000.
New Visitor
durgaprasadzone
Posts: 1
Registered: ‎01-11-2013
0

Thannks for info.

[ Edited ]

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}