topic Re: Macys in Credit Cards

Macys

Anonymous — Tue, 11 Dec 2007 13:14:36 GMT

Ok guys the temptation from the forums and the store itself has dragged me in--I apped for Macys last night in the store and was approved for 600 limit to start ---

Does anyone know how often they give CLI---(do they do it according to your spending) the offered some additional savings for use within the first 2 days--I am going to use it--and pay it off this Friday so when the added credit line reports it reports as no balance

Getting smart at this a little bit---

Also I noticed they offer different level cards do they start everyone with the same card and then you graduate or does it depend on the limit

Just wondering

Re: Macys

Anonymous — Tue, 11 Dec 2007 13:25:49 GMT

Everyone starts off with the Red Card... after 500.00 spending in a year you graduate to gold. Not sure about platinum but I tink elite is 2500.00. My understanding is that after 3 mos of on time payments you ca ncall for a guideline increase or CLI as we like to call it.

Re: Macys

Anonymous — Tue, 11 Dec 2007 13:28:45 GMT

AWLEGZ,

What were your scores, and who did they pull from? I was thinking of applying for this card too, Congrats!!

~aaagirl1

Re: Macys

Anonymous — Tue, 11 Dec 2007 15:22:03 GMT

Hey I am not sure which one they pulled from havent gotten an update yet however when I find out I will let you know my scores are in the low to mid 600s though and I had a BK back in 2003 and no lates on anything on my credit in the past year---have opened several new accounts in the past 6 mos--I would think they probably pulled Equifax since I am here in VA though----Funny though I went to Walmart and applied and used the same credit card for verification purposes and got the same CL for both companies and applied 3 weeks apart Walmart pulled Equifax

Re: Macys

Red1Blue — Tue, 11 Dec 2007 15:30:20 GMT

They gave me $100 for online App. After 2 months they increased it to $200. I like Macy's and once I start buying new clothes and suites ( to celebrate once I join the 700 club) I am sure they will upgrade me to eilte and give me their visa card. I love shopping at Macy's. They have one of the excellent customer support I have ever seen.

Re: Macys

llecs — Tue, 11 Dec 2007 15:30:55 GMT

I had received the card back in September for $300 asked for an immediate CLI and mentioned I was doing some early Christmas shopping. They turned me down because it was too new. I used it then for $30 and paid it off. Fast foward to Sunday, I called and again asked for a CLI. They said they needed "90 days of good payments" before they would consider a CLI, or GLI as they called it. I countered that I have received three bills and that all three have been PIF (I know I only charged the card once, but still a $0 balance). The friendly rep countered that if I were to call in mid January I would be guaranteed a CLI. In my experience, you don't need to charge the card to get that CLI.

Re: Macys

Anonymous — Tue, 11 Dec 2007 16:33:50 GMT

I received a $600 CL when I started, then after a year they doubled my credit limit, well, that's when I noticed that it had gone up. Be patient, it will all pay off.

Re: Macys

Anonymous — Tue, 11 Dec 2007 18:49:41 GMT

That's a decent starting cl AWLEGZ.

I applied for a Macy's card about 3 weeks ago online and instantly approved for $300.

I immediately called CSR, and told them to close the card if the opening cl wasn't higher. The csr asked me some credit questions about 2 of my other store cards, and she came back saying that the opening limit will be $600. I'm keeping the card, btw.

Re: Macys

Anonymous — Tue, 11 Dec 2007 18:54:01 GMT

Care for it well - it is managed by Citi. Also, check the box to allow partner companies to provide you offers (Exxon, Citgo, 66, Home Depot, Bloomies, etc) - Citi offered me an MC 10 months after my first card (exxon) with them....

GET IN GOOD WITH THEM!!!

Re: Macys

Anonymous — Tue, 11 Dec 2007 20:32:02 GMT

So why is everybody's Macy's accountmangaed by Citi but mine? Or are they the same as FNDB.

Re: Macys

Anonymous — Tue, 11 Dec 2007 20:37:56 GMT

Citi may have scooped the account away from FNDB - they got Exxon away from GEMB.... call your CS number and ask who is managing your card.

https://www.citicards.com/cards/wv/filter1Search.do?constituent=CONSUMER&attrs=CC_STORE&x=54&y=7

Message Edited by Lady_Scarlet on 12-11-2007 03:37 PM

Re: Macys

llecs — Tue, 11 Dec 2007 21:32:59 GMT

I don't have a handy link, but due to the Federated acquisition, Citibank took over credit operations and formed DSNB a couple years ago. Therefore, DSNB is a subsidiary to Citi. It reports as DSNB on my credit, and I have the red star store card. Maybe it reports as Citi for some folks if they have the visa. Or maybe Citi reports if the card is more than 2 years old (pre-Federated change).

Re: Macys

Anonymous — Tue, 11 Dec 2007 21:34:37 GMT

llecs wrote:

I don't have a handy link, but due to the Federated acquisition, Citibank took over credit operations and formed DSNB a couple years ago. Therefore, DSNB is a subsidiary to Citi. It reports as DSNB on my credit, and I have the red star store card. Maybe it reports as Citi for some folks if they have the visa. Or maybe Citi reports if the card is more than 2 years old (pre-Federated change).

I see said the blind man. I thought Citi used to handle the cards and then it was taken inhouse by DSNB...lol!!! After citi upgraded all the cards they wanted to keep to Visa.

Message Edited by Brammy on 12-11-2007 04:34 PM

Re: Macys

Anonymous — Wed, 12 Dec 2007 06:57:13 GMT

To prevent and aliviate the consequences of credit theft, macy's and other stores are giving low credit limits when an application is made online. If you apply at the store and show proof of ID, then they will approve you for a higher credit limit. A couple of years ago I applied online and was approved for $100. last month my girlfriend with a score in the high 500's applied in the store like I told her to, and she was approved for $1,000. She then took her mom, who has her scores in the 400's, and has had several late mortgage payments in the last 12 months, and she also got approved for $1k. My advise to everyone, when applying for a store credit card, apply in the store.

Re: Macys

Anonymous — Wed, 12 Dec 2007 11:59:20 GMT

So, what is the best avenue for app(ing) when you have fraud alerts? I get shot down in stores every time. Should I ap over the phone for accounts as a rule?

I had just been in the process of getting my fa's removed, and as soon as they were, I got hit with fraud again. Dunno if I am a target or what?

Beware of charges from a company called efindthetruth.com. I got a call from someone pretending to be them, trying to authorize a search "I had ordered", then a charge showed up next day in my Wells Fargo checking account. Made police report and its currenly being investigated. Long story short, this site is for researching peoples personal info, and I now have no choice but to put the fraud alerts back on, and deal with the hassle of it.

~aaagirl1

Re: Macys

orl2185 — Wed, 12 Dec 2007 13:17:32 GMT

Macy's blacklisted me bc old account which I settled by paying half the balance.

Re: Macys

Anonymous — Wed, 12 Dec 2007 13:18:18 GMT

I agree I would app in store seems like I gave both Macys and Walmart another CC for ID verification and they both gave me 600 CL so seems like you got better chances in the store --I agree!!!!!

Re: Macys

Anonymous — Wed, 12 Dec 2007 16:27:44 GMT

Mays pulled Experian here for me in VA

Re: Macys

SWISSOATL — Wed, 12 Dec 2007 22:07:47 GMT

they always declined be in store! i tried several times and recently got approved online for macys and they gave me a $200 cli i may call and ask for an increase!

i really want that macy VISA!

Re: Macys

Anonymous — Thu, 13 Dec 2007 05:58:12 GMT

The Visa still reports as MCYDSNB. However, just before I was upgraded to it the AR came from VISA/DSNB with the same address listed as MACYS/DSNB.