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i have 1 unpaid judgement 5 years ago.what's the chance for me to apply for a Macy's store credit and Juniper credit card? My TU=695 EQ=690.Thanks for any advice.
What is your overall CR like? Numbers of Inquiries?
If not too much recent inquiries, the chances of you being approved is more than likely.
Good Luck, keep us updated if you decide to apply for it.
i have 15 months credit history, 6 inquiries last year,my util below 10%.I have had a fews credit card with very low limit
@ld81 wrote:i have 15 months credit history, 6 inquiries last year,my util below 10%.I have had a fews credit card with very low limit
IMO you should be good for the store card.
@vish1 wrote:
@ld81 wrote:i have 15 months credit history, 6 inquiries last year,my util below 10%.I have had a fews credit card with very low limit
IMO you should be good for the store card.
+1
i think you may be able to get a macy's card but the limit may be low. I started off with a 500 dollar limit when I got mine because of some negative things on there. Then I was late by one day and they dropped my limit down to 200 dollars. For six months I made on time payments and they increased my limit from 200 to 2000. So even if you get approved and get a small limit, just work in paying it on time and it will increase over time. Also, I applied online and got approved. I've heard some people have better luck in the store because they can contact customer service from within the store but i've had better luck online.
Apply in store for Macys what ever you do! You then might get approved for the Macys Amex too
OP, I think you have a great shot. IIRC they pull EX and when I applied, and when we all had access to our EX FICOs, they pulled a 630-645 or there abouts. I started with $300 and it quickly increased to $3200 within a couple of years. Just know that the CLs don't report and therefore it won't help with utilization per FICO scoring.
thanks for all responses.And what are the chances for approve for Juniper credit card?Thanks
@llecs wrote:OP, I think you have a great shot. IIRC they pull EX and when I applied, and when we all had access to our EX FICOs, they pulled a 630-645 or there abouts. I started with $300 and it quickly increased to $3200 within a couple of years. Just know that the CLs don't report and therefore it won't help with utilization per FICO scoring.
Why doesn't Macy's report CL's? Does that negatively impact fico at all?