topic Re: Macys Approved. Now What? in Credit Card Approvals

Macys Approved. Now What?

texasman07 — Fri, 27 Jul 2012 18:13:49 GMT

FINALLY! 2 Years of rebuilding and finally got into prime world this year. I decided to app for Macys! (I got a new job with more cash and want some great clothes) I had to call in because when I applied online it said I needed to call in. Anyway after 5 minutes on the phone of verificaton, I was approved for a 300 Credit Line. So a few questions, I read and did some research and cant' seem to figure it out. So this is a store card correct? How about the Amex or the Visa, is there ever and upgrade? at what point can I call for a CL?

Re: Macys Approved. Now What?

Anonymous — Fri, 27 Jul 2012 18:20:09 GMT

Congratulations!!! I soooo want that card, however, I am gardening til March 2013... They send great offers during the friends and family events twice a year. Yeah!!

Re: Macys Approved. Now What?

learnin113 — Fri, 27 Jul 2012 18:35:20 GMT

Store card. CLIs may vary. Visa version no longer available. No chance of upgrading to Amex, you must reapp.

ETA: Congrats.

Re: Macys Approved. Now What?

CS800 — Fri, 27 Jul 2012 18:34:32 GMT

Congrats !

The one you got is the store card and depending on how much you spend, you get the type of card according to your spending habit. I think one has to apply for the AMEX version

Re: Macys Approved. Now What?

MsLadyRover — Fri, 27 Jul 2012 18:58:32 GMT

Congrats on the new card and the new job!

Re: Macys Approved. Now What?

texasman07 — Fri, 27 Jul 2012 19:11:50 GMT

Thanks guys!!! I applied for the Macys card like 8 times!! LOL

Re: Macys Approved. Now What?

creditisbetter2 — Fri, 27 Jul 2012 19:14:33 GMT

It's a store card and when I asked if I could upgrade to the Amex, they said I had to reapply for it. You can call for one now if you want but more than likely they will tell you wait six months-because they want to see some payment history and they will increase you. I started off with a small limit and worked my way up to $2000. For a while they had gotten rid of the card limits (still questioning that decision) but I believe they are back now. If you play the game right, you can get a higher limit in a relatively short period of time.

Re: Macys Approved. Now What?

texasman07 — Fri, 27 Jul 2012 22:23:50 GMT

I couldn't believe how difficult it has been for me to get this card. I was approved for a Zync before Macy's. Oh well I'm happy.

Re: Macys Approved. Now What?

Jazzzy — Fri, 27 Jul 2012 22:26:21 GMT

I believe since you got the store card that you need to apply again at some point for the AmEx.

I wanted to add for other readers, however, that it is possible to get both together. I apped in the store and got both cards. (I didn't even know there was an AmEx.) I got a $1,200 line on the store and $6,000 on the AmEx. All they asked me was SS#, household income, and mortgage payment. My scores are in the upper-mid-700s. Just wanted to let everyone know that it is possible to get both at one time. Maybe it's golden to app in-store?

Re: Macys Approved. Now What?

Creditaddict — Fri, 27 Jul 2012 23:18:49 GMT

Macy's needs to be marked for everyone to pass word around ***APPLY IN STORE ONLY!***

1. When you apply online Macy's/Retail National/Citi Whatever you like... They are so crazy worried about fraud.. it's the worst! I get my account thrown into fraud all the time making purcases online!!! I have been a card holder since 2007(8) with this and I have been Elite the whole time... anyway...

2. They only consider you for Store Card when applying online

3. I would be calling every 3-4 months (some say 6) I think they say it's going to be HP but it's not (With a few Exceptions) Ask for big increases - They counter!

4. I would not call in and request the Amex until you either get credit in the 700's, get your CL up a bit on store card... but really it's probably going to be score and baddies to get approved for the Amex side... They seem to be really weird with that part to if it's not initally approved with Store Card which would be computer! It will be HP and it will open a new account, new opening date, and new Credit Line of it's own.

5. I would go to store when you get a chance and make a purchase, I wouldn't be surprised if you see CLI once you do that.

Just missed the HUGE Furniture sale I think, That is a seperate account also... you use to have to go in store to have a employee call with order to get the "Major Purchase Line" opened... at some point at least for me, it's sitting ready for me with $5k limit... I assume would be pretty easy to get that raised since I have done one $3600 Furniture Line back shortly after opening and then another one at about 20 months into my 24 month 0% on the first line and was given $5600 I think... I put $600 on Amex Card (not related to Macy's) because they couldn't cover the entire purchase on line. and when I went back for another $2300 or so I just put it on the store card itself.

Re: Macys Approved. Now What?

texasman07 — Fri, 27 Jul 2012 23:25:59 GMT

Wow that's some great info!!! Thanks so much. So if I go buy 100.00$ worth of clothes and PIF I could see a cli right away ?

Re: Macys Approved. Now What?

Creditaddict — Fri, 27 Jul 2012 23:31:06 GMT

@texasman07 wrote:
Wow that's some great info!!! Thanks so much. So if I go buy 100.00$ worth of clothes and PIF I could see a cli right away ?

I'm not totally sure now because we are just getting the credit lines back and it was hard to really know if you were getting more or not and I think some at least reading on here that stopped shopping because of no credit line and some were getting declines... I guess it's just me but if they have to call I will make them do that... usually I prefer to say just put the transaction on hold and help the others and Ill step just to the side and make the call and come back to the line when it's resolved!!

Re: Macys Approved. Now What?

wreith — Sat, 28 Jul 2012 03:53:49 GMT

Is the Macy's a true AMEX card or a branded one?

Re: Macys Approved. Now What?

slarano — Sat, 28 Jul 2012 09:58:22 GMT

@Creditaddict wrote:
4. I would not call in and request the Amex until you either get credit in the 700's, get your CL up a bit on store card... but really it's probably going to be score and baddies to get approved for the Amex side... They seem to be really weird with that part to if it's not initally approved with Store Card which would be computer! It will be HP and it will open a new account, new opening date, and new Credit Line of it's own.

Just missed the HUGE Furniture sale I think, That is a seperate account also... you use to have to go in store to have a employee call with order to get the "Major Purchase Line" opened... at some point at least for me, it's sitting ready for me with $5k limit... I assume would be pretty easy to get that raised since I have done one $3600 Furniture Line back shortly after opening and then another one at about 20 months into my 24 month 0% on the first line and was given $5600 I think... I put $600 on Amex Card (not related to Macy's) because they couldn't cover the entire purchase on line. and when I went back for another $2300 or so I just put it on the store card itself.

I've been an Elite cardholder and employee since 2008, $3,800 store card CL. Scores listed below... I was turned down for the AMEX when I called in for a manual review last month, HP wasted, recon didn't do any good. No baddies, only reason they gave me was their internal scoring system could not approve me. Needless to say, I will just continue to use my card for my employee discount. I pay in full days after my purchase and discount posts.

As for the furniture sale, it is still active/valid. If you need help with it, let me know! The account is actually called a "Special Event" if you require the no interest financing, "Major Purchase" if you just want to place the purchase on your regular Revolving account (which incurs interest normally).

Re: Macys Approved. Now What?

slarano — Sat, 28 Jul 2012 09:58:51 GMT

@wreith wrote:
Is the Macy's a true AMEX card or a branded one?

Just branded.

Re: Macys Approved. Now What?

wreith — Sat, 28 Jul 2012 14:14:33 GMT

Thanks.

Re: Macys Approved. Now What?

Creditaddict — Sat, 28 Jul 2012 16:34:53 GMT

@slarano wrote:
@Creditaddict wrote:
4. I would not call in and request the Amex until you either get credit in the 700's, get your CL up a bit on store card... but really it's probably going to be score and baddies to get approved for the Amex side... They seem to be really weird with that part to if it's not initally approved with Store Card which would be computer! It will be HP and it will open a new account, new opening date, and new Credit Line of it's own.

Just missed the HUGE Furniture sale I think, That is a seperate account also... you use to have to go in store to have a employee call with order to get the "Major Purchase Line" opened... at some point at least for me, it's sitting ready for me with $5k limit... I assume would be pretty easy to get that raised since I have done one $3600 Furniture Line back shortly after opening and then another one at about 20 months into my 24 month 0% on the first line and was given $5600 I think... I put $600 on Amex Card (not related to Macy's) because they couldn't cover the entire purchase on line. and when I went back for another $2300 or so I just put it on the store card itself.

I've been an Elite cardholder and employee since 2008, $3,800 store card CL. Scores listed below... I was turned down for the AMEX when I called in for a manual review last month, HP wasted, recon didn't do any good. No baddies, only reason they gave me was their internal scoring system could not approve me. Needless to say, I will just continue to use my card for my employee discount. I pay in full days after my purchase and discount posts.

As for the furniture sale, it is still active/valid. If you need help with it, let me know! The account is actually called a "Special Event" if you require the no interest financing, "Major Purchase" if you just want to place the purchase on your regular Revolving account (which incurs interest normally).

2 Things:

1. Thank you for correction - "Special Event" --- it's good to get this posted correctly because unless you are IN Furniture Store or Fine Jewelry, you ask about store interest rate or amex info and you almost 100% of the time get "Oh, Im not sure" or a whole bunch of WRONG!! had guy call about a major purchase question and he so didn't understand from the beginning so it just got worse and worse as he called to a supervisor and didn't have one word of my question correct but then correct or not the supervisor came back telling him that they wouldn't know, interest can vary based on credit!" NO and NO again...

Store has been 24.5% for about as long as I can remember and Visa USE to be 16.9% but I think in 2009 it was uped to 24.5% same as store before the new credit law went in to effect.

2. **bleep** that you are not only employee but that you have score WAY up in 750 range and can't get!!! insulting!

Re: Macys Approved. Now What?

720n2013 — Fri, 04 Oct 2013 22:53:43 GMT

What were your FICO scores when approved for the Macys Store card? What CRA was pulled for your approval?

Re: Macys Approved. Now What?

Anonymous — Sat, 05 Oct 2013 04:16:03 GMT

My scores were close to the mid 600's and I was approved for 1500 credit limit but then the limit started to decrease for some strange reason! I knew I should have got the gucci watch before hand lol.

Re: Macys Approved. Now What?

creditwatcher2012 — Sat, 05 Oct 2013 04:27:33 GMT

Congrats! I was recently approved about a month ago for 300.00 I heard the line will grow with time!