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I had a charged off Macy's account from 1999. This was before my Uncle Money days
Anyway, thanks to the advice from my favorite financial forum, I read that Macy's will actually open an account if you pay the charged off balance.
This is, in fact, completely true as I just called the backdoor # and they happily opened a new account for me. I did a phone pay for $462.00 and my new card will arrive in the mail on or around November 6th with a credit line of $462.00, which is eligible for future increases. Not too shabby. Considering the economy these days, I'll take it!
I would have never, ever, ever discovered this without this forum AND I would have never known what # to call without the backdoor #. Thank you, guys!
UM
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@Uncle_Money wrote:I had a charged off Macy's account from 1999. This was before my Uncle Money days
Anyway, thanks to the advice from my favorite financial forum, I read that Macy's will actually open an account if you pay the charged off balance.
This is, in fact, completely true as I just called the backdoor # and they happily opened a new account for me. I did a phone pay for $462.00 and my new card will arrive in the mail on or around November 6th with a credit line of $462.00, which is eligible for future increases. Not too shabby. Considering the economy these days, I'll take it!
I would have never, ever, ever discovered this without this forum AND I would have never known what # to call without the backdoor #. Thank you, guys!
UM
I rehab'ed a Macy's card in this manner. Started out with a few hundred dollars CL. Fast forward to this year: $3.7K CL on store account, invited to accept a Macy's Visa, did so, new account CL = $4K. There was no hard INQ for the Visa issuance. The card is definitely eligible for future increases!
@tralyn05 wrote:
hmmm I had a Macy's card that was charged off over 12 years ago (college) and it's now showing open with no lates....... it's been showing that way for 5 years now...should I try to call and have it reinstated or leave it alone?
If it is reporting open why not call and inquire about getting new plastic? The worst thing they can tell you is that you owe them some money!