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Approvals can start in the low 600s for Macy's.
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@Anomalous wrote:Approvals can start in the low 600s for Macy's.
+1
How old is the account? What is the current balance? Why close it? Just pay it down and try for a cli plus tell your mom not to charge over 25% of the limit.
You can get your scores up a bit and try to upgrade to the Am Ex version.
@icyhot wrote:
The account will be a year old come July. The current balance is $1600, most of it being from my mom. I'm actually on the fence about closing it, but I'd rather my mom have her own card and not be on mine
Maybe go for the Am Ex version and if approved see if you can just have her on the store card as an au not the Am Ex portion.