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Frequent Contributor
Posts: 319
Registered: ‎05-31-2008
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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
Posts: 586
Registered: ‎03-12-2008
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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
Posts: 1,126
Registered: ‎03-25-2008
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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
Posts: 1,540
Registered: ‎01-29-2008
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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
Posts: 640
Registered: ‎03-28-2008
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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
Posts: 157
Registered: ‎05-01-2008
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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
Posts: 37
Registered: ‎02-18-2008
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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
Posts: 853
Registered: ‎03-21-2008
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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
Posts: 1,126
Registered: ‎03-25-2008
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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
Posts: 1
Registered: ‎01-11-2013
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Thannks for info.

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