topic Re: Macy's? in Credit Cards

Macy's?

aquatic1 — Wed, 10 Jun 2009 03:25:18 GMT

Has anyone been approved for a Macy's card? If so, what was your score(s) and who did they pull?

Re: Macy's?

cabana7 — Wed, 10 Jun 2009 03:27:42 GMT

I think they are a big exp puller and they have gotten tighter...

Re: Macy's?

Creditaddict — Wed, 10 Jun 2009 03:51:21 GMT

My ex was some how approved with 545.

but I would usually say closer to the 600.

and you should apply in store only

Re: Macy's?

Anonymous — Wed, 10 Jun 2009 14:23:09 GMT

Same here pulled EX.and i agree app in store..

Message Edited by cartercorp on 06-10-2009 07:23 AM

Re: Macy's?

aquatic1 — Wed, 10 Jun 2009 04:52:30 GMT

@Creditaddict wrote:
My ex was some how approved with 545.
but I would usually say closer to the 600.
and you should apply in store only

what types of baddiesdid your ex have, if any?

Re: Macy's?

Anonymous — Wed, 10 Jun 2009 11:40:03 GMT

Got their store card last month with a toy cl of $200.

you have to apply in the store to increase your chances of getting the card with a decent cl, but that will depend of your experian report and "experian plus" score. You will be offered one application for 2 cards the store card and the Macy's visa card (1 inquiry )Didn't want the visa, high APRs 21 to 29% and I was only interested in their regular cli (every 3 months) on the store card, but it s not the case anymore. Maybe the opposite now !

Edited to remove non-FICO link.

I think with an experian plus score of 600 you should be fine but if like me,you want the card only for the regular cli, I d skip it ! ...i called them like 10 or 15 times to get a cli to buy a mattress, NO was the answer you have to have the card for at least 6 months and by then the best thing that could happen is your cl will double in my case 200 to 400 no good ! Plus their staff is ridiculously overpriced

anyway, wish you luck !

Message Edited by haulingthescoreup on 06-10-2009 04:40 AM

Re: Macy's?

Anonymous — Wed, 10 Jun 2009 11:12:46 GMT

I got the Macy's card in April of this year. Pulled ex here in Wash. state. Although I don't know my exact score, it was around 635 fico last time I was able to see it. $400 cl to start.

Baddies: BK 04

Judgements: 2 in 05 and 06

Collections: 2 in 05 and 06, both small and unpaid.

A few accounts still showing as included in BK. A few late payments from 4 or 5 years ago. I think that's it.

Anyway, one month later they upped my cl to $600. That was kinda weird but I'm not complaining. Hope this helps.

Re: Macy's?

haulingthescoreup — Wed, 10 Jun 2009 11:39:18 GMT

boamacy wrote:

Got their store card last month with a toy cl of $200.
you have to apply in the store to increase your chances of getting the card with a decent cl, but that will depend of your experian report and "experian plus" score.

boamacy, I read through that link, and there was nothing there about them using an Experian PLUS score.

Did you read that somewhere else? After a lot of hunting, I did find documentation that Kohl's uses a Vantage score, but that's the only evidence I've ever seen of any CC using a FAKO.

Re: Macy's?

armymom — Wed, 10 Jun 2009 13:29:41 GMT

I work in the store and we are seeing more unapproved applications in the last few months. I have also had customers say Macy's has cut their CL.

Re: Macy's?

aquatic1 — Wed, 10 Jun 2009 13:33:26 GMT

I worked at MAcy's during the holiday and I guess I should have applied then. EX is probably my highest score at this time and I am waiting for my last two collections to be deleted hopefully in the next couple weeks. The low credit limit is horrible but I need to start somewhere and I do shop there especially when I get the friends and family discounts!

Re: Macy's?

Anonymous — Wed, 10 Jun 2009 13:38:07 GMT

Applied in store while making sizable purchase. Scores were in mid to high 600s.

Re: Macy's?

slarano — Wed, 10 Jun 2009 18:52:08 GMT

around 640 for a starting CL of $400 when i applied online May '08. it's June '09 and my Star Rewards Platinum card now has a $3,800 limit.

Re: Macy's?

Anonymous — Thu, 11 Jun 2009 01:20:34 GMT

@simonlarano wrote:
around 640 for a starting CL of $400 when i applied online May '08. it's June '09 and my Star Rewards Platinum card now has a $3,800 limit.

Platinum, eh? No wonder they like you. Mine is red and I have a $3.7K CL. They also just offered me the (hard to obtain) Visa addon. That is a fresh, unsolicited offer that is on the table right now. FICO's EQ=707, TU=731 and EX=? Of course they only use EX...

My history with them has been checkered, but they did work with me and I am fully rehab'ed, (Obviously!) Macy's is a relatively easy card to get and obtain CLI's for. If you follow the program and don't ask when inappropriate you won't be declined for a CLI unless you truly deserve to be.

Re: Macy's?

Anonymous — Thu, 11 Jun 2009 01:35:30 GMT

I got my card online and was sorry that I did so because it makes things more difficult. Like adding a authorized user I had to go into the store and have some one at the service desk call them for me. I also received a small starting CL of 600. I have called every 90 days for a GLI and they have never said no. I opened the card las just last August and my CL is up to 3000.

Re: Macy's?

slarano — Thu, 11 Jun 2009 01:50:22 GMT

i have a tendency to irrationally vie for card colors. my pertinent purchases totaled close to $2K, and that's with all of the extra discounts already figured in from being employed by Macy's Inc. so needless to say, my goal is the Elite black card for next year. and yes, they told me i was being considered for the Visa as well. i just dislike the look of the regular red and gold card colors. i know it goes against everything i'm supposed to follow, but hey, one vice is ok.

Re: Macy's?

Anonymous — Thu, 11 Jun 2009 01:58:56 GMT

@Anonymous wrote:
I got my card online and was sorry that I did so because it makes things more difficult. Like adding a authorized user I had to go into the store and have some one at the service desk call them for me. I also received a small starting CL of 600. I have called every 90 days for a GLI and they have never said no. I opened the card las just last August and my CL is up to 3000.

1) I have had a Macy's account for over 30 years and never had to make an appearance in the store to do anything. That makes no sense as that courtesty phone you pick up rings through to the same office you can make a call to from your home. Chalk it up to another case of bad CSR work!

2) $600 is not a low opening credit line for Macy's. In fact it is rather high.

Re: Macy's?

Anonymous — Thu, 11 Jun 2009 02:01:36 GMT

@simonlarano wrote:
i have a tendency to irrationally vie for card colors. my pertinent purchases totaled close to $2K, and that's with all of the extra discounts already figured in from being employed by Macy's Inc. so needless to say, my goal is the Elite black card for next year. and yes, they told me i was being considered for the Visa as well. i just dislike the look of the regular red and gold card colors. i know it goes against everything i'm supposed to follow, but hey, one vice is ok.

Every cardholder is being constantly considered for the Visa. The hard part is getting it offered to you.

My consideration is: do i really want it?

Re: Macy's?

tbrowne34 — Wed, 08 Jul 2009 01:44:45 GMT

Approved yesterday in store pulled Ex. (their fako plus score was 711) with AAoA 8 months longest reporting 1year with highest cl $500 No baddies they gave me a 300cl on store card

Re: Macy's?

Anonymous — Wed, 08 Jul 2009 01:52:19 GMT

Nice job! Congratulations!