topic Re: Another Macy's post in Credit Cards

Another Macy's post

aquatic1 — Sun, 19 Jul 2009 17:38:41 GMT

Well against my better judgement I went ahead today and applied online for the Macy's store card. Hit the submit button and got the "Thank you for applying" page. Nothing else. I called the number that is on their website and spoke to someone......DENIED!

So very disappointed but of course I received a email from Macy's after sending them a few questions. There answers sounded positive so I went and applied.

Should have gone to the store and applied.

Re: Another Macy's post

Red1Blue — Sun, 19 Jul 2009 23:21:14 GMT

Sorry to hear what happend to you. When you make purchase at the store and apply for the card it does help in the approval process. What is the reason they gave you for the denial? Some times they start you out with low CL and get you more CLI's later. I started my card with $100CL about 18 months ago and now it is at $4600 CL. Let us know what is the reason they gave you.

Re: Another Macy's post

aquatic1 — Sun, 19 Jul 2009 23:44:44 GMT

I will have to wait until tomorrow to call. When I called they just told me that I was denied and that in 3-5 days I will get a response as to why the denial.

I am going to kick myself for doing this even though two items will be deleted from my reports hopefully by the end of the month. I guess we live and learn. Not to mention NEVER listed to a CSR. This is the second time I listened to then (BofAm in MArch and now Macy's) and both times all I received are two inquires!!!!

I won't let that happen again!

Re: Another Macy's post

Anonymous — Sun, 19 Jul 2009 23:45:41 GMT

Aquatic, did you get your fico score first before you applied to Macy's? That is a must before applying to any cards. once you see your score, that may give you your answer why you were denied.

Re: Another Macy's post

aquatic1 — Sun, 19 Jul 2009 23:52:40 GMT

Macy's pull EX so that is not an option. I sent a email and asked them about 5 different questions and was told that based on the info I gave them I should be fine. Of course they did not guarantee hence the "should" but it sounded a lot better than no! I asked what scores they were looking for and was told as long as it was mid 500's and above that would be fine.

Since I was able to pull EX I have had three collections removed, paid off 3 additional collections that eill not delete and entered into a payment plan with AmEx's Optima program that will be completed in Sept.

@Anonymous wrote:
Aquatic, did you get your fico score first before you applied to Macy's? That is a must before applying to any cards. once you see your score, that may give you your answer why you were denied.

Re: Another Macy's post

Anonymous — Mon, 20 Jul 2009 02:22:54 GMT

Wait six months and try it again. Hopefully by then your scores will be a little bit higher.

Re: Another Macy's post

score_building — Mon, 20 Jul 2009 15:01:49 GMT

@Anonymous wrote:
Wait six months and try it again. Hopefully by then your scores will be a little bit higher.

in store please, may get you better results!

Re: Another Macy's post

Anonymous — Mon, 20 Jul 2009 18:33:46 GMT

@score_building wrote:
@Anonymous wrote:
Wait six months and try it again. Hopefully by then your scores will be a little bit higher.

in store please, may get you better results!

I can't speak to that, but it well could.

Re: Another Macy's post

aquatic1 — Mon, 20 Jul 2009 22:27:57 GMT

will do a recon and if that doesn't work, I will try again in a few months.

Re: Another Macy's post

Anonymous — Tue, 21 Jul 2009 09:06:58 GMT

I was approved for their card and my scores are lower than yours.

I applied online.

Re: Another Macy's post

happy0510 — Wed, 16 Sep 2009 19:10:42 GMT

Does Macy's require a minimum amount of TL's like Hooters?

Re: Another Macy's post

Anonymous — Wed, 16 Sep 2009 19:20:29 GMT

@happy0510 wrote:
Does Macy's require a minimum amount of TL's like Hooters?

No. I have put comments regarding Macy's in your other thread. Answer/ask over there.