02-24-2009 05:52 PM
I'm in rebuild mode with my credit and need credit cards but have terrible scores. I've cleaned up everything best I can and am paying everything on time, but don't have the "right" balance of credit. Are there any particular stores that are giving credit cards to by trying to develop customers right now?
02-25-2009 08:29 AM
Macy's, JC Penney's, Best Buy, Kay Jewelers.
02-25-2009 09:15 AM
i say macys too if you have 6-12 months good on time history and high 500 score. I got card less than a year ago and my limit went 300-600-1200-2400 every 3 months
As always YMMV. I was declined for Macy's. My scores were in the 580's at the time (back in Sept 2008). My wife was approved for Macy's in November (black Friday weekend) her scores were in the mid 600's.
Now as far as Macy's increases, this is her third month with the card, she called them for an increase, the rep told her they have extended increases to six months now, no longer three months. So either she got a bad customer service rep, or Macy's has changed policy because of this economic/recession BS.
02-25-2009 09:37 AM
02-25-2009 10:09 AM
02-25-2009 12:10 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.