topic Re: Macys Amex Upgrade in Credit Cards

Macys Amex Upgrade

AverageJoesCredit — Fri, 19 Apr 2019 16:15:32 GMT

Many know of the recent upgrades from store to Amex for certain Macys card holders. I am one them. Just want to update the progress of this adventure. Just checked my Credit Karma and it seems sometime this past week, my Macys account has been removed completely from Tu and Eq. Now to see if it pops back up with new details ie new account or with same opening date etc. Interesting to say the least. Amazingly my TU went up 2 points.

Re: Macys Amex Upgrade

AverageJoesCredit — Fri, 19 Apr 2019 16:49:32 GMT

Lol, quickest update. Checking my Experience, my 25k Amex is now reporting as Amex/DSNB with original open date!. This is my unicorn card and the main reason i dont get cli 9n my DP or DC haha. Too much exposure but who cares . Ive achieve a rarity

Re: Macys Amex Upgrade

pinkandgrey — Fri, 19 Apr 2019 19:15:45 GMT

Congrats. I had no idea about the 25k Amex lol the credit world hasn’t shunned you as much as you let on

Re: Macys Amex Upgrade

UpperNwGuy — Fri, 19 Apr 2019 19:23:31 GMT

The card itself may say Amex, but that's because it runs on the Amex payment network. The card's issuer, Department Stores National Bank, is a subsidiary of Citi. It's Citi who loves you, not Amex.

Re: Macys Amex Upgrade

pinkandgrey — Fri, 19 Apr 2019 19:26:50 GMT

@UpperNwGuy wrote:
The card itself may say Amex, but that's because it runs on the Amex payment network. The card's issuer, Department Stores National Bank, is a subsidiary of Citi. It's Citi who loves you, not Amex.

That is beyond confusing lol

Re: Macys Amex Upgrade

Anonymous — Fri, 19 Apr 2019 19:33:53 GMT

@pinkandgrey wrote:
@UpperNwGuy wrote:
The card itself may say Amex, but that's because it runs on the Amex payment network. The card's issuer, Department Stores National Bank, is a subsidiary of Citi. It's Citi who loves you, not Amex.
That is beyond confusing lol

Not really.

Same deal as NFCU Amex, PenFed Amex, WF Amex, and any other card with an Amex logo not issued by American Express Centurion Bank - uses the Amex payment network but isn’t an Amex.

Re: Macys Amex Upgrade

Loquat — Fri, 19 Apr 2019 19:34:20 GMT

@pinkandgrey wrote:
@UpperNwGuy wrote:
The card itself may say Amex, but that's because it runs on the Amex payment network. The card's issuer, Department Stores National Bank, is a subsidiary of Citi. It's Citi who loves you, not Amex.
That is beyond confusing lol

Card is accepted at any places that accepts American Express. DSNB (subsidiary of Citi) is the lender who backs the card. Centurion Bank (aka Amex) has nothing to do with the card.

Re: Macys Amex Upgrade

pinkandgrey — Fri, 19 Apr 2019 19:35:46 GMT

@Loquat wrote:
@pinkandgrey wrote:
@UpperNwGuy wrote:
The card itself may say Amex, but that's because it runs on the Amex payment network. The card's issuer, Department Stores National Bank, is a subsidiary of Citi. It's Citi who loves you, not Amex.
That is beyond confusing lol
Card is accepted at any places that accepts American Express. DSNB (subsidiary of Citi) is the lender who backs the card. Centurion Bank (aka Amex) has nothing to do with the card.

Yeah I get it lol it’s just weird to say that your Citi card is an Amex or that your Amex is Citi

Re: Macys Amex Upgrade

Anonymous — Fri, 19 Apr 2019 19:37:58 GMT

@pinkandgrey wrote:
@Loquat wrote:
@pinkandgrey wrote:
@UpperNwGuy wrote:
The card itself may say Amex, but that's because it runs on the Amex payment network. The card's issuer, Department Stores National Bank, is a subsidiary of Citi. It's Citi who loves you, not Amex.
That is beyond confusing lol
Card is accepted at any places that accepts American Express. DSNB (subsidiary of Citi) is the lender who backs the card. Centurion Bank (aka Amex) has nothing to do with the card.
Yeah I get it lol it’s just weird to say that your Citi card is an Amex or that your Amex is Citi

So just call it your Macy’s card.

Outside of this site and others dedicated to credit, most people couldn’t even tell you what payment network their cards run on unless they have been rejected their payment method of choice before.

Re: Macys Amex Upgrade

Credit-hoarder — Fri, 19 Apr 2019 20:29:59 GMT

Sitting over here waiting for my 5.5 y/o Macy's card to upgrade---not gonna hold my breath though. Congrats AJC.

Re: Macys Amex Upgrade

AverageJoesCredit — Fri, 19 Apr 2019 22:29:11 GMT

Oh you guys and gals! The ol' is it a real Amex debate.

Nah , that isnt why its my unicorn. They gave me a limit more than i make lol. Yeah i know, Whatever happens i can always say i achieved it haha. .....

Wait, this Amex isnt sponsered by Discover??😁

Re: Macys Amex Upgrade

AverageJoesCredit — Sat, 20 Apr 2019 23:13:43 GMT

Update #2, Tu now reshowing my former Macys store card as Amex/DSNB original opening date. Woo hoo

Re: Macys Amex Upgrade

RickNATL — Sun, 21 Apr 2019 04:47:04 GMT

Oh, now they upgrade...I applied a little over a year ago thinking it was an upgrade and ended up with a new card and trade ljne....$50K exposure on both Macys and Macys Amex....hope they now allow u to collapse into one...lol

Re: Macys Amex Upgrade

UpperNwGuy — Sun, 21 Apr 2019 12:27:03 GMT

@pinkandgrey wrote:
@Loquat wrote:
@pinkandgrey wrote:
@UpperNwGuy wrote:
The card itself may say Amex, but that's because it runs on the Amex payment network. The card's issuer, Department Stores National Bank, is a subsidiary of Citi. It's Citi who loves you, not Amex.
That is beyond confusing lol
Card is accepted at any places that accepts American Express. DSNB (subsidiary of Citi) is the lender who backs the card. Centurion Bank (aka Amex) has nothing to do with the card.
Yeah I get it lol it’s just weird to say that your Citi card is an Amex or that your Amex is Citi

Not weird at all if you consider that Amex, unlike Visa and MasterCard, is both a payment network and a card issuer. The other two are just payment networks and don't issue cards.

The light blue Amex logo in the lower right hand corner of the card indicates only that the card uses the Amex payment network. The words American Express at the top of the card indicate that Amex issued the card.

Re: Macys Amex Upgrade

AverageJoesCredit — Tue, 21 May 2019 01:18:46 GMT

Hey yall

Received my new Macys Amex today. I like it really stands out in shiny red and crisp blue Amex logo! It came with a $20 , 2000 point, mini sub lol by just using it anywhere else other than Macys after $150 spend. Not too bad. I wonder if i can buy @FinStar s Disco limit from him?

Re: Macys Amex Upgrade

FinStar — Tue, 21 May 2019 01:21:51 GMT

@AverageJoesCredit wrote:
Hey yall

Received my new Macys Amex today. I like it really stands out in shiny red and crisp blue Amex logo! It came with a $20 , 2000 point, mini sub lol by just using it anywhere else other than Macys after $150 spend. Not too bad. I wonder if i can buy @FinStar s Disco limit from him?

Well, @Jnbmom wanted some of that too so you can flip a coin LOL. I'll be glad to share!

Re: Macys Amex Upgrade

Jnbmom — Tue, 21 May 2019 01:39:59 GMT

@FinStar wrote:
@AverageJoesCredit wrote:
Hey yall

Received my new Macys Amex today. I like it really stands out in shiny red and crisp blue Amex logo! It came with a $20 , 2000 point, mini sub lol by just using it anywhere else other than Macys after $150 spend. Not too bad. I wonder if i can buy @FinStar s Disco limit from him?
Well, @Jnbmom wanted some of that too so you can flip a coin LOL. I'll be glad to share!

I will take heads

Re: Macys Amex Upgrade

AverageJoesCredit — Tue, 21 May 2019 02:01:56 GMT

I call SPIN

Re: Macys Amex Upgrade

Anonymous — Tue, 21 May 2019 12:03:13 GMT

Congrats ajc on the 25k amex thats a big time limit

Re: Macys Amex Upgrade

Anonymous — Tue, 21 May 2019 16:24:18 GMT

sweet,, count your blessings Macy,s did not partner with Discover