topic Macy's AMEX Approval in Credit Card Approvals

Macy's AMEX Approval

austinguy907 — Tue, 09 Apr 2013 21:44:00 GMT

I decided a Macy's card was in order for the extra discount. Applied in store since everyone recommended it. Got a CL of $1200 on the receipt paper they give you when you open a new account. I got curious though since the paper didn't have the account # on it to add it to my macy's profile and called the backdoor number 18006272909 to ask for the account number. They won't do that over the phone but, with ID can in the store. Asked if it was a store only or the AMEX version and she confirmed it was an AMEX approval and that limit was $5K. I'm going to have to look into how the CL's report though when they start reporting after reading how some people have different limits for AMEX, Store, Furniture, Etc.

They pulled EXperian though which, unfortunately as everyone knows you can't get your FICO from them unless you do a lender pull. Maybe they'll send the score with the card? (one could hope)

I'm wondering if I got approved through DSNB aka private label Citi if Citi would grant a line as well? I guess I don't have to go get the Dillard's version now through GEMB

Re: Macy's AMEX Approval

Anonymous — Tue, 09 Apr 2013 21:47:35 GMT

Congrats! 2 TL with 1 Hp

Re: Macy's AMEX Approval

Anonymous — Tue, 09 Apr 2013 21:47:44 GMT

Grats on the approval.

Citi and DSNB however operate separately and have very different underwriting requirements to my knowledge. However, as long as you have decent credit u can qualify for citi cards easily, just like with any other prime lender. They aren't exclusive nor elusively hard to get

Re: Macy's AMEX Approval

Imua — Tue, 09 Apr 2013 23:45:41 GMT

@austinguy907 wrote:
I decided a Macy's card was in order for the extra discount. Applied in store since everyone recommended it. Got a CL of $1200 on the receipt paper they give you when you open a new account. I got curious though since the paper didn't have the account # on it to add it to my macy's profile and called the backdoor number 18006272909 to ask for the account number. They won't do that over the phone but, with ID can in the store. Asked if it was a store only or the AMEX version and she confirmed it was an AMEX approval and that limit was $5K. I'm going to have to look into how the CL's report though when they start reporting after reading how some people have different limits for AMEX, Store, Furniture, Etc.

They pulled EXperian though which, unfortunately as everyone knows you can't get your FICO from them unless you do a lender pull. Maybe they'll send the score with the card? (one could hope)

I'm wondering if I got approved through DSNB aka private label Citi if Citi would grant a line as well? I guess I don't have to go get the Dillard's version now through GEMB

re the CL's reporting, you should have a store TL (mine is listed as MACY'S/DSNB) w/ CL of $1200, and a separate Macy's Amex TL (mine is listed as AMEX/DSNB) with CL of $5k. these are both reported to all 3 CRAs.

congrats

Re: Macy's AMEX Approval

BearsAndTurtlesRtheBest — Wed, 10 Apr 2013 03:03:55 GMT

of course im assuming that your ex score is the highest and is in the bestest shape, because getting the AMEX version isnt like getting any other store co branded card. Congrats to you! Maybe you can please tell us how your ex report looks like and then tell us the score they provide you with when card arrives. Thanks!

Re: Macy's AMEX Approval

austinguy907 — Sat, 20 Apr 2013 02:51:48 GMT

I wish I had my EX score!!!!!!! Damn them for not providing it anymore I'm trying to be patient waiting on the card to arrive and see if anything else is in the envelope with it like a score.

All 3 of my reports look the same +/- 1 account because of HSBC/CAP1 taking over accounts and JFCU not being reported to TU. Currently I have ~8 accounts / mortgage open and 5 of them reporting a balance. CK shows utilization of 15% / AAOA 3yrs 10mo, CK of 711 / CS of 733.

Here's a snapshot of credit.com post inquiry / new account reporting. The AMEX portion of the limit isn't reporting yet though.

Your ExperianCredit Score

737 (up 4 points)

Credit Birthday 08/1997
Avg. Account Age 5yr, 9mo

Credit Card Debt

11% (Utilizarion)

Your Debt

$7,050

Total Credit Limit

$59,400

$7,050

$131,404

$291

9 open / 14 closed

1 open / 8 closed (mortgage)

0 open / 0 closed

1 recent (Macy's)

Re: Macy's AMEX Approval

Epcot — Wed, 10 Apr 2013 23:00:15 GMT

Nice, Congrats!

Re: Macy's AMEX Approval (update)

austinguy907 — Sat, 25 May 2013 22:35:17 GMT

So, the AMEX portion of the CC reported finally after the closing of the first statement. The store / AMEX CL's show up as separate TL's on CR.

Re: Macy's AMEX Approval (update)

Creditaddict — Sun, 26 May 2013 00:49:02 GMT

If you want a Citi Card you should have no issues but you can try the pre-approval link they put on their website and see what you get offered.

My partner got $1100 Store and $3500 Amex. I used it much more this month and today requested to be upgraded to Elite Card putting about $800 through store and about $1300 through Amex side this month.... think next month is 3 months, hoping for a CLI on both!!!

Congrats to you! and yes if you want furniture, you would have a 3rd line show on your credit report and you can most likely go buy furniture now with no extra credit pull.

Re: Macy's AMEX Approval

FocusedAndDetermined — Sun, 26 May 2013 00:52:04 GMT

Congrats!

Re: Macy's AMEX Approval (update)

RSCo — Tue, 04 Jun 2013 19:48:16 GMT

@Creditaddict wrote:
If you want a Citi Card you should have no issues but you can try the pre-approval link they put on their website and see what you get offered.
My partner got $1100 Store and $3500 Amex. I used it much more this month and today requested to be upgraded to Elite Card putting about $800 through store and about $1300 through Amex side this month.... think next month is 3 months, hoping for a CLI on both!!!

Congrats to you! and yes if you want furniture, you would have a 3rd line show on your credit report and you can most likely go buy furniture now with no extra credit pull.

Hey there.. So I don't understand.. You apply for the Macy's card and they approve people for BOTH the Macy store card AND the Macy's Amex if you have the right score? So you get 2 cards by only applying for one?

Re: Macy's AMEX Approval (update)

Creditaddict — Tue, 04 Jun 2013 22:25:37 GMT

@RSCo wrote:
@Creditaddict wrote:
If you want a Citi Card you should have no issues but you can try the pre-approval link they put on their website and see what you get offered.
My partner got $1100 Store and $3500 Amex. I used it much more this month and today requested to be upgraded to Elite Card putting about $800 through store and about $1300 through Amex side this month.... think next month is 3 months, hoping for a CLI on both!!!

Congrats to you! and yes if you want furniture, you would have a 3rd line show on your credit report and you can most likely go buy furniture now with no extra credit pull.
Hey there.. So I don't understand.. You apply for the Macy's card and they approve people for BOTH the Macy store card AND the Macy's Amex if you have the right score? So you get 2 cards by only applying for one?

If you apply in store they will try to consider you for the Macy's Amex first and if you don't qualify they will try for just the Macy's Store... However they different from like Gap where you are considered for Visa first in the stand point that if you are approved for Macy's Amex it's 2 accounts on 1 card... When you shop in Macy's you will be using the credit line for your Macy's Store Card and when you go shop outside of Macy's it will go to the Credit Line associated with the Amex side of your account and you get 2 bills and 2 different payments that need to be made with 2 different credit lines.

Both are at a fabulous 24.5% interest though! so don't carry a balance

Then if you decide to buy Furniture or perhaps watch, diamonds, you could have a Furiture account, a club account.... you could have up to 4 different accounts with Macy's at once! (well really even more, they are kind of crazy, if you want a joint account, you could have more accounts!)

Re: Macy's AMEX Approval (update)

RSCo — Wed, 05 Jun 2013 01:45:19 GMT

@Creditaddict wrote:
@RSCo wrote:
@Creditaddict wrote:
If you want a Citi Card you should have no issues but you can try the pre-approval link they put on their website and see what you get offered.
My partner got $1100 Store and $3500 Amex. I used it much more this month and today requested to be upgraded to Elite Card putting about $800 through store and about $1300 through Amex side this month.... think next month is 3 months, hoping for a CLI on both!!!

Congrats to you! and yes if you want furniture, you would have a 3rd line show on your credit report and you can most likely go buy furniture now with no extra credit pull.
Hey there.. So I don't understand.. You apply for the Macy's card and they approve people for BOTH the Macy store card AND the Macy's Amex if you have the right score? So you get 2 cards by only applying for one?

If you apply in store they will try to consider you for the Macy's Amex first and if you don't qualify they will try for just the Macy's Store... However they different from like Gap where you are considered for Visa first in the stand point that if you are approved for Macy's Amex it's 2 accounts on 1 card... When you shop in Macy's you will be using the credit line for your Macy's Store Card and when you go shop outside of Macy's it will go to the Credit Line associated with the Amex side of your account and you get 2 bills and 2 different payments that need to be made with 2 different credit lines.
Both are at a fabulous 24.5% interest though! so don't carry a balance
Then if you decide to buy Furniture or perhaps watch, diamonds, you could have a Furiture account, a club account.... you could have up to 4 different accounts with Macy's at once! (well really even more, they are kind of crazy, if you want a joint account, you could have more accounts!)

Whoa... Great info here.. .Thanks.. I kinda like that "feature"..

So while you have one card, there are actually 2 accounts associated to it - dept store card and amex.. So do you see 2 actual accounts on your credit report?

Re: Macy's AMEX Approval (update)

FinStar — Wed, 05 Jun 2013 03:21:42 GMT

Whoa... Great info here.. .Thanks.. I kinda like that "feature"..

So while you have one card, there are actually 2 accounts associated to it - dept store card and amex.. So do you see 2 actual accounts on your credit report?

Correct. One card, two access lines (unless you have additional accounts such as the Club/MPA, etc). Each will report with their own respective CL on your CRs. The same applies for Bloomingdale's if you carry both the AMEX and store account.

Re: Macy's AMEX Approval (update)

RSCo — Wed, 05 Jun 2013 03:24:01 GMT

@FinStar wrote:
Whoa... Great info here.. .Thanks.. I kinda like that "feature"..

So while you have one card, there are actually 2 accounts associated to it - dept store card and amex.. So do you see 2 actual accounts on your credit report?

Correct. One card, two access lines (unless you have additional accounts such as the Club/MPA, etc). Each will report with their own respective CL on your CRs. The same applies for Bloomingdale's if you carry both the AMEX and store account.

Okay, great.. Thanks so much for the info... Good stuff..