topic Re: Chances? in Credit Card Applications

Chances?

Harvey26 — Tue, 03 Nov 2015 16:44:38 GMT

I currently work at macys and best buy and I was wondering what are my chances at the Macys Amex and Best Buy Ciit Visa?

Scores: EQ: 673 TU: 684 EX: (still havent reached my 6 months)

AAoA: TU: 10 months (so long because I am an AU on BOA Card) EQ: 2months

Discover IT Student: $1k Chase Freedom (AU): $7.5K

Re: Chances?

Anonymous — Tue, 03 Nov 2015 16:51:29 GMT

Is there someone in Macys finance that can perhaps help you with that?

Maybe they can give you a better answer.

Wish you good luck!

Re: Chances?

Anonymous — Tue, 03 Nov 2015 19:39:32 GMT

Well, I work for Macy's Corporate (not in credit) but I can say that the decision will not be based independently on score. It will also depend on your credit file, recent lates and debt to income ratio. There is no black and white answer. Also, as a Macy's associate you do need a Macy's card to take advantage of the associate discount. So, you'll need to app for the card anyways if you want the benefit. With that being said, you may as well app for the Amex and you'll likely just get the store card if not approved for the Amex. It's one hit vs two. Good luck!