02-12-2013 11:24 AM
My requested my store acc to be upgraded to the Amex version on 11/26/2012 the account was created on 11/30/2012 (i know its not actually an upgrade, its just a new credit lime to be used ouside the store) I check my Exp report almost every day and until today no Macys hard inquiry is showing up in my report As i said before my guesd is they do hard pull your Exp report when you're either in the borderline criteria or your score doesnt look good in the soft pulled report
Interesting, someone also said they used Equifax. Anyway, the score the obtained with me wasn't anywhere near the cutoff point of 720, so I am unsure as to how they decide to perform a hard or soft inquiry. Nevertheless, if you didn't get an inquiry, that's a plus. I already had about ten so one more wouldn't hurt.
02-12-2013 11:54 AM
I totally expected a HP and I realize they check EX, so I was like "show me the money", since I have 6 inqs on EX with 1 to fall off 2/24/13. The last one on EX was in 8/12 for my B of A. I check USAA daily, so no HP from Macy's in the last week. The card is really issued by Citi, so maybe my Citi Diamond Preferred helped. One can only speculate; regardless, no HP and a 4k extra CL...is fine by me!
02-12-2013 03:50 PM