topic Re: Macy's!!! in Credit Cards

Macy's!!!

Gibran — Wed, 23 Feb 2011 22:48:07 GMT

The other day I called and inquired about upgrading to a macy's amex, the csr I spoke with asked me a few questions which I thought were for security purposes, then she said she would forward my request to the proper dept., not once during our conversation did she inform me that it would be a hard inq, I didn't even say that I wanted to upgrade, I asked if I qualified for one, so a day later I get a alert that Macy's pulled my credit, needless to say I was quite about this. Can I call them and complain to someone to get that hard inq removed since I was never informed a hard inq would required.

Re: Macy's!!!

Creditaddict — Wed, 23 Feb 2011 23:23:43 GMT

@Gibran wrote:
The other day I called and inquired about upgrading to a macy's amex, the csr I spoke with asked me a few questions which I thought were for security purposes, then she said she would forward my request to the proper dept., not once during our conversation did she inform me that it would be a hard inq, I didn't even say that I wanted to upgrade, I asked if I qualified for one, so a day later I get a alert that Macy's pulled my credit, needless to say I was quite about this. Can I call them and complain to someone to get that hard inq removed since I was never informed a hard inq would required.

Macys Upgrading has been talked extensively on here... it's always been a hard pull and it takes 30 days and not much you can do about it. If you get it, it will be worth the pull though!

Re: Macy's!!!

tray — Wed, 23 Feb 2011 23:31:07 GMT

I just don't understand about the whole 30 day wait ordeal, I would think if they just pulled your credit Macy's could have an anwer right away, just as if you were applying for a regular store card in which there is no 30 day wait. Any opinions!!!

Re: Macy's!!!

Creditaddict — Wed, 23 Feb 2011 23:33:07 GMT

@tray wrote:
I just don't understand about the whole 30 day wait ordeal, I would think if they just pulled your credit Macy's could have an anwer right away, just as if you were applying for a regular store card in which there is no 30 day wait. Any opinions!!!

I agree, I think the wait is stupid... however if approved, I have seen a card come in like a week time

Re: Macy's!!!

danisgods — Wed, 23 Feb 2011 23:38:15 GMT

Nothing you can do , that would be too easy for everyone to do that, then call the next day with some story that, he didnt ask for it and so forth, ....

my advice is, everytime you call macys, make sure you tell them before even telling you name or card number, that you only have a question , and have them say back to you that they understand that, thats how i do it...

Re: Macy's!!!

cutemarty1 — Wed, 23 Feb 2011 23:57:18 GMT

I got denied for upgrade saying i need to have an annual purchase minimum of 500 USD

Re: Macy's!!!

danisgods — Thu, 24 Feb 2011 00:01:34 GMT

then i dont have to worry about it, i/my wife shops there all the time... and the deals man, i cant complain, if you PIF, it's the ebst store ever, when it comes to deals, and if you have their car though

Re: Macy's!!!

tray — Thu, 24 Feb 2011 00:22:58 GMT

@cutemarty1 wrote:
I got denied for upgrade saying i need to have an annual purchase minimum of 500 USD

Did you have to wait 30 days for an answer? I hate to say I would like to upgrade to the Macy's AMEX myself and if approved would definitely close the store card although it seems you have to go through so much hassle, such as waiting period, and now spending limit at Macy's what's next LOL!!!

Re: Macy's!!!

Creditaddict — Thu, 24 Feb 2011 00:26:45 GMT

@tray wrote:
@cutemarty1 wrote:
I got denied for upgrade saying i need to have an annual purchase minimum of 500 USD
Did you have to wait 30 days for an answer? I hate to say I would like to upgrade to the Macy's AMEX myself and if approved would definitely close the store card although it seems you have to go through so much hassle, such as waiting period, and now spending limit at Macy's what's next LOL!!!

Don't believe you can have just the Macys Amex... the store card comes with it. You can't charge on the Amex account in store.

Re: Macy's!!!

tray — Thu, 24 Feb 2011 00:54:09 GMT

@Creditaddict wrote:

@tray wrote:
@cutemarty1 wrote:
I got denied for upgrade saying i need to have an annual purchase minimum of 500 USD
Did you have to wait 30 days for an answer? I hate to say I would like to upgrade to the Macy's AMEX myself and if approved would definitely close the store card although it seems you have to go through so much hassle, such as waiting period, and now spending limit at Macy's what's next LOL!!!
Don't believe you can have just the Macys Amex... the store card comes with it. You can't charge on the Amex account in store.

CreditAddict, I am confused now do you mean to say with a Macy's Amex you can only make charges outside of Macy's only and never in a Macy's department store, I never knew this, what is the point of having this card then???, if someone has multiple credit cards elsewhere to use. My main focus for wanting this card was the limit reporting and thought I could use it at Macy's, since it is a MACY's card with a AMEX logo. This is a shocker to me. Thanks for the info, if I can't use a Macy's AMEX in any of their stores the card is utter useless for me anyway. Saved a wasted inquiry

Re: Macy's!!!

Creditaddict — Thu, 24 Feb 2011 01:47:46 GMT

@tray wrote:
@Creditaddict wrote:

@tray wrote:
@cutemarty1 wrote:
I got denied for upgrade saying i need to have an annual purchase minimum of 500 USD
Did you have to wait 30 days for an answer? I hate to say I would like to upgrade to the Macy's AMEX myself and if approved would definitely close the store card although it seems you have to go through so much hassle, such as waiting period, and now spending limit at Macy's what's next LOL!!!
Don't believe you can have just the Macys Amex... the store card comes with it. You can't charge on the Amex account in store.

CreditAddict, I am confused now do you mean to say with a Macy's Amex you can only make charges outside of Macy's only and never in a Macy's department store, I never knew this, what is the point of having this card then???, if someone has multiple credit cards elsewhere to use. My main focus for wanting this card was the limit reporting and thought I could use it at Macy's, since it is a MACY's card with a AMEX logo. This is a shocker to me. Thanks for the info, if I can't use a Macy's AMEX in any of their stores the card is utter useless for me anyway. Saved a wasted inquiry

Yes the Amex account on the Macy's card can not be used in a Macys store, those charges would automatically charge to the store card. Macys Amex can be used anywhere outside of Macys that takes Amex.

Re: Macy's!!!

Gibran — Thu, 24 Feb 2011 02:06:12 GMT

Wow I wish I would've known that too. But like I said I was just looking to see if I qualified for the upgrade, I wasn't even looking to do it just yet so I hope I do get it. I spend quite a bit in there so I know I definitely meet the spending criteria.

Re: Macy's!!!

OnWayUpinTexas — Thu, 24 Feb 2011 03:18:01 GMT

I think there is some confusion about the Macy's Amex card ...

There is just one "account" on the Macy's Amex card, and you can use it in Macy's stores or anywhere that American Express is accepted. All the charges appear on one statement, whether made in Macy's or outside the store. It is simply a Macy's account that is linked to the Amex network.

Am I wrong on this? I don't have a Macy's Amex, but I have a Dillard's Amex card and I would assume that both cards function the same way. When I go to Dillard's, I can use my Dillard's Amex card. I have also used it to charge at non-Dillard's establishments. All the charges appear on the same bill. There's not an "Amex portion of the bill" and a "Dillard's portion of the bill."

Re: Macy's!!!

RammaCredit — Thu, 24 Feb 2011 03:42:49 GMT

They did the same thing to me.

Re: Macy's!!!

armymom — Thu, 24 Feb 2011 04:32:34 GMT

@OnWayUpinTexas wrote:
I think there is some confusion about the Macy's Amex card ...

There is just one "account" on the Macy's Amex card, and you can use it in Macy's stores or anywhere that American Express is accepted. All the charges appear on one statement, whether made in Macy's or outside the store. It is simply a Macy's account that is linked to the Amex network.

Am I wrong on this? I don't have a Macy's Amex, but I have a Dillard's Amex card and I would assume that both cards function the same way. When I go to Dillard's, I can use my Dillard's Amex card. I have also used it to charge at non-Dillard's establishments. All the charges appear on the same bill. There's not an "Amex portion of the bill" and a "Dillard's portion of the bill."

Macy's Amex is two seperate accounts. One for your Macy's purchases and one for you Amex purchases.

Re: Macy's!!!

Imua — Thu, 24 Feb 2011 04:50:30 GMT

@OnWayUpinTexas wrote:
I think there is some confusion about the Macy's Amex card ...

There is just one "account" on the Macy's Amex card, and you can use it in Macy's stores or anywhere that American Express is accepted. All the charges appear on one statement, whether made in Macy's or outside the store. It is simply a Macy's account that is linked to the Amex network.

Am I wrong on this? I don't have a Macy's Amex, but I have a Dillard's Amex card and I would assume that both cards function the same way. When I go to Dillard's, I can use my Dillard's Amex card. I have also used it to charge at non-Dillard's establishments. All the charges appear on the same bill. There's not an "Amex portion of the bill" and a "Dillard's portion of the bill."

they just issue one card that says macy's and it has the AMEX logo on it. the number on my card is the macy's AMEX acct number (not the macy's store acct, which is a separate acct number). i receive 2 separate statements, one for the store acct and one for the macy's AMEX acct (with different due dates). the macy's store card used to report the CL to the CAs, but that changed recently, so no CL reported. the macy's AMEX still reports the CL.

Re: Macy's!!!

Creditaddict — Thu, 24 Feb 2011 06:53:27 GMT

@Imua wrote:
@OnWayUpinTexas wrote:
I think there is some confusion about the Macy's Amex card ...

There is just one "account" on the Macy's Amex card, and you can use it in Macy's stores or anywhere that American Express is accepted. All the charges appear on one statement, whether made in Macy's or outside the store. It is simply a Macy's account that is linked to the Amex network.

Am I wrong on this? I don't have a Macy's Amex, but I have a Dillard's Amex card and I would assume that both cards function the same way. When I go to Dillard's, I can use my Dillard's Amex card. I have also used it to charge at non-Dillard's establishments. All the charges appear on the same bill. There's not an "Amex portion of the bill" and a "Dillard's portion of the bill."
they just issue one card that says macy's and it has the AMEX logo on it. the number on my card is the macy's AMEX acct number (not the macy's store acct, which is a separate acct number). i receive 2 separate statements, one for the store acct and one for the macy's AMEX acct (with different due dates). the macy's store card used to report the CL to the CAs, but that changed recently, so no CL reported. the macy's AMEX still reports the CL.

+11111111!!!!

I have 4 Macys accounts that report to credit... 1 store card, 1 amex card, 1 special finance account, and 1 club account that is $0 that is for large jewelry or something

Re: Macy's!!!

OnWayUpinTexas — Thu, 24 Feb 2011 14:37:31 GMT

@Creditaddict wrote:

@Imua wrote:
@OnWayUpinTexas wrote:
I think there is some confusion about the Macy's Amex card ...

There is just one "account" on the Macy's Amex card, and you can use it in Macy's stores or anywhere that American Express is accepted. All the charges appear on one statement, whether made in Macy's or outside the store. It is simply a Macy's account that is linked to the Amex network.

Am I wrong on this? I don't have a Macy's Amex, but I have a Dillard's Amex card and I would assume that both cards function the same way. When I go to Dillard's, I can use my Dillard's Amex card. I have also used it to charge at non-Dillard's establishments. All the charges appear on the same bill. There's not an "Amex portion of the bill" and a "Dillard's portion of the bill."
they just issue one card that says macy's and it has the AMEX logo on it. the number on my card is the macy's AMEX acct number (not the macy's store acct, which is a separate acct number). i receive 2 separate statements, one for the store acct and one for the macy's AMEX acct (with different due dates). the macy's store card used to report the CL to the CAs, but that changed recently, so no CL reported. the macy's AMEX still reports the CL.

+11111111!!!!

I have 4 Macys accounts that report to credit... 1 store card, 1 amex card, 1 special finance account, and 1 club account that is $0 that is for large jewelry or something

I stand corrected. That is whacky, imo. Thanks for the info.