topic Re: macys issue question/cld in Credit Cards

macys issue question/cld

Anonymous — Sat, 15 Nov 2008 17:13:39 GMT

Hi!

I have a question and wondered if any of you encountered this and if so what was the outcome. My pymt was due with macys on 11/02, due to circumstances beyond my control ( was in hospital having a baby) my pymt was not made until 11/03.

i called the auto system and discovered bc of 1 day pyg late they had dropped my credit line $600. keep in mind i've never been late, never over limit or close to limit and normally i pay balance off in full or a large portion if i have a balance. so i called spoke to a rep,who took off late pymt chrg. i asked could my credit line be restored at that time, he said i'd have to wait and call back in 4-6 months.

i even offered to send in hospital discharge papers, or whatever i needed to do. he would not restore my limit so essentialy my limit was cut in half. what can i do to get my limit put back? i dont want to wait 4-6 months, i can see if i was always late or late by a few days but it was 1 day! please help with some advice to get this situation rectified!

thanks so much!!

Re: macys issue question/cld

Anonymous — Sat, 15 Nov 2008 17:28:05 GMT

I don't know to be honest, but other than pride, does the decrease impact your overall utility much or your ability to buy what you want on their store card? If you have a large ticket item you can likely ask them to increase it and they will on the spot.

Re: macys issue question/cld

spiritcraft1 — Sat, 15 Nov 2008 17:28:36 GMT

I would send a letter and include discharge papers... explain about how you value your Macy's account and would NEVER have been late except for the unplanned and wonderful event you just went through...

Perhaps mention that you also plan to make Macy's (your favorite store) the plave you shop for that little future Macy's shopper you just brought into the world...

Re: macys issue question/cld

GST2008 — Sat, 15 Nov 2008 17:30:41 GMT

Call back and politely ask for it to be re-instated, pointing out that you paid it in full and it was a first time mistake. Throw in the fact that it is holiday time and you would really like the limit restored so you can do some shopping. Be persistant but polite and friendly and if they still say no, ask for the supervisor. Sometimes, it just takes the right person on the phone or somebody in a really good mood and you'd be surprised what they'll do for you =) I would just keep bringing up that you are a loyal customer, excellent payment history, and you want to do some shopping. They can make exceptions even if they tell you it's the 3month thing, if you are persistant and you try a couple of times one of them will definitely do it for you.

Re: macys issue question/cld

Anonymous — Sat, 15 Nov 2008 19:11:57 GMT

bamagirl1

Dont give up. In order for this to work i would call back (try again) if still no luck call again. YOU WILL get the right person on the line sooner or later. Also check around here there are several diffrent numbers for macy's. Keep trying..

Re: macys issue question/cld

Anonymous — Sat, 15 Nov 2008 23:17:36 GMT

thanks you all have given me hope that perhaps things can be turned around and go my way..does anyone have the mailing address for a situation like this? i plan on trying to call also but thought it may be a good idea to perhaps try and mail a letter. i sent a letter on planetfeedback but have gotten no response from anyone.

Re: macys issue question/cld

haulingthescoreup — Sun, 16 Nov 2008 00:29:07 GMT

Congratulations on the new baby!!! (This seems to have gotten lost in there somewhere, lol.)

Boy or girl?

Re: macys issue question/cld

Anonymous — Sun, 16 Nov 2008 00:36:24 GMT

Congrats on the new baby Bama!!

(So this is where you have been, eh?)

Macy's will probably put you on restriction, but keep after them to get ungrounded. I have read other's who have had sucess after enough pleading. You had a good reason, so don't give up!

Re: macys issue question/cld

Anonymous — Sun, 16 Nov 2008 00:43:22 GMT

Well that's a sucky thing to have happen when you're embarking upon your baby moon. I hope that Macy's will be understanding and fix this for you. Of course, if they persist with their resistance, keep calling them when your new bundle is in the throes of a new baby hissy fit. Calmly tell them that your little one has a healthy set of lungs, and you're not afraid to use them.

Congrats on the new baby.

Re: macys issue question/cld

Anonymous — Sun, 16 Nov 2008 01:29:21 GMT

Just had this exact same thing happen. They dropped my CL from 1200 down to 500. I called them up and talked to a manger complaining. She bumped it back up to 800. But that's all she would do. The one thing about Macy's is that they WILL increase it every 3 months. Still sucks but at least they will increase every 3 months.

Re: macys issue question/cld

Anonymous — Sun, 16 Nov 2008 04:59:27 GMT

I applied online and got my cc number, went shopping the next day. 2 days later, my account information was available online and it said payment was due the day I went shopping (one day after I applied). I guess I had that special 20 minute grace period. My cl was reduced to $700 but only for as long as it took to call and complain. I mean, how can you be late when the due date is the day you did the shopping? To be fair, Macy's cc bent over backwards apologizing for the mixup. I've called back to make sure there is NO derog on my file whatsoever. Have you tried talking to an account supervisor? You have a pretty darn good excuse, as far as I'm concerned.

BTW, as we speak, my dil is in the hospital, giving birth to my first grandbaby.

Re: macys issue question/cld

haulingthescoreup — Sun, 16 Nov 2008 05:38:49 GMT

brisdad wrote:

...BTW, as we speak, my dil is in the hospital, giving birth to my first grandbaby.

Oh, many congrats! Please post back and let us know how it all went!

Re: macys issue question/cld

MsKiwi — Sun, 16 Nov 2008 05:45:25 GMT

@Anonymous wrote:
I applied online and got my cc number, went shopping the next day. 2 days later, my account information was available online and it said payment was due the day I went shopping (one day after I applied). I guess I had that special 20 minute grace period. My cl was reduced to $700 but only for as long as it took to call and complain. I mean, how can you be late when the due date is the day you did the shopping? To be fair, Macy's cc bent over backwards apologizing for the mixup. I've called back to make sure there is NO derog on my file whatsoever. Have you tried talking to an account supervisor? You have a pretty darn good excuse, as far as I'm concerned.

BTW, as we speak, my dil is in the hospital, giving birth to my first grandbaby.

Congrats on your first grandbaby, it is an awesome event! Happy birthday to the wee one.

Re: macys issue question/cld

Anonymous — Sun, 16 Nov 2008 20:34:20 GMT

thanks hauling and stef! i had mentioned way back when i found out i was pregnant, been busy so didnt log in much but still read posts etc..he was born 10/22 at 334 am, he was 7lb 14 oz and 21 in long he's wonderful and his big brother just turned 8 today..so now that he's here i'm going to try and get back on the credit repair bandwagon. i was doing well and then stopped...

i called macys and just got my cl reinstated..yea..last week the guy wouldnt do it. so yesterday i paid my $67 balance off and today i called and got someone, he in turn transfered me to someone, which i didnt know until the picked up and he said they would restore my cl as a 1 time courtesy..

now my question is do you think this will affect future cli's? and as you know with macys you can call every 3-4 months so should i wait 3-4 months from today or 3-4 months from when the cl was orginally raised??

thanks again for everything

Re: macys issue question/cld

Anonymous — Sun, 16 Nov 2008 20:47:40 GMT

Great news! If at first you don't succeed hang up and try again!

Re: macys issue question/cld

GST2008 — Sun, 16 Nov 2008 20:51:50 GMT

I would wait the three months or so since they just raised it back up for you (unless you do some heavy shopping in the near future). Congrats! I knew they would work with you. They really do have very good customer service.

Re: macys issue question/cld

jmbfl — Sun, 16 Nov 2008 20:56:56 GMT

Congrats!

It won't effect the future at all. Macys has tunnel vision - if it is not in their field of vision they don't see it. And it won't be.

Re: macys issue question/cld

Anonymous — Mon, 17 Nov 2008 17:25:47 GMT

Good job, Bamagirl! I've always found Macy's to be easy to deal with and understanding of a one-time error. I think I'd probably try for the gli at your regular time, all they can do is say 'no'. And It can't hurt if you remind them of all the baby stuff you have to buy.

(off topic) Tyler Alonzo, 7lbs, 19 1/2lbs. And grandpa's face hurts from grinning.

Re: macys issue question/cld

Anonymous — Mon, 17 Nov 2008 17:37:53 GMT

You should be fine Bama for increases later. They actually auto-increased mine from 800 to 2500 recently. Just bought the grandbaby some Hello Kitty jeans and tops at Macy's. They didn't have any in my size, lol. Darn the luck!

Oh, and I couldn't find a coupon code that would work for my purchase and I left it in my cart and left the website thinking I would shop when some more sales came along. I signed into my email account and got a nice 'reminder' and a 20% off coupon to use on everything. Gotta love Macy's!!

Congrats again on those new babies. They grow up soooo fast. DD #1 just turned 22 yesterday.

Coupon code if anyone wants it: XM0IW1U1EB69

Re: macys issue question/cld

Anonymous — Mon, 17 Nov 2008 20:19:46 GMT

thanks-thanks everyone for the kinds words and well wishes..

stef,

since my orginaly gli was in sept and a few said i should just call like normal when should i call again? next month? is it 3 months??? haven't been doing this stuff in a while and i'm a little rusty..

and stef I too love hello kitty, as I did when i was younger..i have 2 boys so can't buy them all the cute hello kitty stuff...i may use your code and look online..