topic Re: Macy's in Credit Cards

Macy's

Sk8gr8 — Thu, 01 Dec 2011 16:29:17 GMT

I applied for a Macy's store card last night to do a little holiday shopping and take advantage of the good discounts. I wasn't instantly approved but didn't get a 7-10 message either; I got the "thanks for applying,continue shopping" message. I'm guessing this means denial but I'm not sure. Has anyone ever received this message and had an approval? My scores are mid 600's. Thanks!

Re: Macy's

Creditaddict — Thu, 01 Dec 2011 17:04:32 GMT

Yes, I'm almost surprised Macy's has not moved to in store or mail applications only like Target because in my experience they are very scared to approve and let a lot of shopping happen before they see you in store and get to see your ID once at checkout. I have seen 2 friends apply online, 1 was instant for $100 but after a use the next purchase was declined stating he needed to come into a store to show ID. The second was approved for $800 after calling in and doing some more phone verification but once again after a couple uses online the card was locked until they went into store to provide ID. These happened a couple years ago, so not sure these days.

However as far as you not hearing an answer on approval yet, you can call one of the numbers in the back door thread above and usually get status, verification, etc and get approved right away.

Re: Macy's

Sk8gr8 — Thu, 01 Dec 2011 18:04:11 GMT

Thanks Creditaddict! It may be the ID issue since I had a fraud alert on my report from someone finding my Visa and going on a spree with it about a year ago. I'll see what happens!

Re: Macy's

Ortz33__ — Thu, 01 Dec 2011 19:11:21 GMT

Does the Macy's card now really pull your report (hard) on every purchase? That is ridiculous if true and not worth having for a 15% sale.

Re: Macy's

Anonymous — Thu, 01 Dec 2011 19:15:30 GMT

@Ortz33__ wrote:
Does the Macy's card now really pull your report (hard) on every purchase? That is ridiculous if true and not worth having for a 15% sale.

I doubt that.. My dad just applied for one and he got Instant Approval for a Macy*s AmEx. But he did it instore and the cashier didn't even have to talk to the credit department.

Although I have a conception that applying instore is easier because they can call the credit department and you can talk to them in front of a cashier.

Re: Macy's

Anonymous — Thu, 01 Dec 2011 19:19:16 GMT

I have had a Macy's card for a couple years and can confirm they do not hard pull on every purchase.

Re: Macy's

CS800 — Thu, 01 Dec 2011 19:19:55 GMT

I remember when I applied for my macys card 3 years ago, I got the same messgae but then got the card in the mail a week later. I was certain I was denied but it came as a surprise.

Re: Macy's

Ortz33__ — Thu, 01 Dec 2011 19:21:07 GMT

Wasn't that (the hard pull on every purchase) discussed heavily on here?

Re: Macy's

Creditaddict — Thu, 01 Dec 2011 19:22:27 GMT

@Anonymous wrote:
@Ortz33__ wrote:
Does the Macy's card now really pull your report (hard) on every purchase? That is ridiculous if true and not worth having for a 15% sale.
I doubt that.. My dad just applied for one and he got Instant Approval for a Macy*s AmEx. But he did it instore and the cashier didn't even have to talk to the credit department.

Although I have a conception that applying instore is easier because they can call the credit department and you can talk to them in front of a cashier.

Applying in store should not require any communication with credit unless you are buying furniture... this usually requires a little communication but sales rep starts it for you.

I have not seen a hard pull from Macy's since opening the account in 2008 except for when the Amex line was re-opened... 2 Furniture Lines, about 5 CLI on Amex Side and 4 or so CLI on Store account until they did away with credit lines... I assume it would be just like Amex Charge, the card is swiped and the computer has it's internal limit, if the charge is under that limit it would just go through, if it's over that the computer probably quickly pulls a soft and automatically increases internal limit and approves or passes the charge over to credit and cashier is probably told to call in... I have not had any questions or issues with making charges on store account and I think it has been blown out of proportion of how bad it is... yes I would love my $10,700 CL reporting with my current $270 balance but besides util help nothing has changed for me.

Re: Macy's

Anonymous — Thu, 01 Dec 2011 19:24:50 GMT

Well, when my mom applied a year ago, she got instant approval only after she was able to talk to a credit analyst on the phone in front of the cashier to confirm her idenity. So thats the only reason that I assumed that. Never hurts to get that extra discount when Holiday shopping.

Edit: Although she had a store card from like 20 yrs ago that she never used and they also had that on record.. lol

Re: Macy's

Ortz33__ — Thu, 01 Dec 2011 19:25:13 GMT

Gotcha. I think things, in general, can be blow out of proportion on this site. The "Barclay account closure from recent inquiries" as well. I have seen a lot of discussion of it, but have never seen someone saying, Barclay closed me. I app'd for a few new cards and got them after getting my Barclay card last month and have not seen them CLD or close me. Is this just chatter or gossip that we are reading?

Re: Macy's

Anonymous — Thu, 01 Dec 2011 19:27:22 GMT

Attention addicts ? Idk, lol. I am one myself, to a point, but only because I'm poking my head everywhere to learn as much as I can about credit before I make any major decisions other than the Freedom app I made..

Re: Macy's

Creditaddict — Thu, 01 Dec 2011 19:31:12 GMT

I got 65% off regular price on mens clothes yesterday ranging from INC to Mark Jacobs! Then signed up for Thanks for Sharing for $25, so in Jan. even if I don't spend another dollar will send me a $28.00 Gift Card and then I swiped my Macy's account an got an additionl 20% off the 65% off stuff!!!

Now the only thing you need to know is keep in mind what racks you are getting merchandise from when it comes to sale because like yesterday it ranges from 30% to 65% off and Macy's is not good about putting new prices on when sales change or discounts grow, also if something is wrong place, if at least 2 of same item is in that wrong place Macy's has to honor that price (this usually requires supervisor and reps usually stay "they are going to tell you the same thing I did!"

Anyway very first item scanned yesterday was coming up ony 50%, sales rep said she "Can't" over ride (not true, but understand if you don't want to on your employee number and possibly have to answer to why you did it) Supervisor was called, he came back first and said the rack has sign 50-65% so if it's scanning 50% we won't over ride that, so I said I will walk with you and the next rack in the far back after the 30 and the 50-65% racks was a rack just 65%, then we walked to designer and one side was 30%, one side 50% and 65% on the end... he said how about we just do 65% on your total order? YES!!! Actually probably one of the best experiences I have had at Macy's in a long time!!!