topic Re: Recon for Macys..need help! in Credit Cards

Recon for Macys..need help!

cappucino24 — Mon, 30 Apr 2012 18:56:36 GMT

Hello,

I've been lurking the boards for sometime now in search of tips/advice on how to rebuild my credit from a recent divorce. I have been successful in obtaining both CapOne and Orchard Bank credit cards. This past Saturday I finally built up enough nerve to apply for a Macys card. I was denied at the register..ughh how embarrassing! lol..So I came here in search of reconsideration information and called the backdoor number. I'm sad to say after speaking with 2 different reps and a supervisor they won't budge..but what REALLY bothers me is the fact that I have 9 good standing, never late accounts, 6 paid closed derogs, and 2 derogs I'm disputing. I explained my case..the ramifications of divorce and credit but i have more positive then negative! They pulled from Experian. In any case the Supervisor wouldn't budge...he said if I clear the last two derogs then maybe and that my report wasn't that bad, he's seen worse but NO.

Should I send a letter for reconsideration? They act as if this card holds some sort of Amex status! WAIT..do they? Lol I do recall reading a post about Amex and Macys affiliation. Any suggestions would be appreciated...

Re: Recon for Macys..need help!

Anonymous — Mon, 30 Apr 2012 18:58:13 GMT

Which card did you app for? The Macy's/Amex, or just Macy's store card? The Amex version is definitely harder to get...

Re: Recon for Macys..need help!

cappucino24 — Mon, 30 Apr 2012 19:03:23 GMT

I apped for the Macy's store card. I stated to the Supervisor one ofmy reasons for wanting the card was because I shop in the store frequently.

Re: Recon for Macys..need help!

Anonymous — Mon, 30 Apr 2012 19:20:39 GMT

So when you applied, you checked the box so they would only consider you for the store card only?

Re: Recon for Macys..need help!

cappucino24 — Mon, 30 Apr 2012 19:27:34 GMT

Box? That's a negative...Ya know what..come to think of it the store clerk was moving so fast asking for info that I must've overlooked or missed that! I'm so upset..hard pull for nothing!!

Re: Recon for Macys..need help!

Anonymous — Mon, 30 Apr 2012 19:41:24 GMT

Its hard to say, but I would eat this inquiry, then in about 30 days go back in and re apply. Just go to a different associate. When you get to the final step, where it asks for your signature, there is a box in the upper left hand corner that you check if you want to be considered for the store card only, the same terms apply, same interest rate, etc. But it is way easier than the Emx to get, and there is no annual spending requirement. I have noticed a lot of associates do not disclose this when having customers apply. They just want to get the account.

Re: Recon for Macys..need help!

learnin113 — Mon, 30 Apr 2012 19:46:57 GMT

What box? Never heard of checking a box for Amex. I thought if you apped instore you were first considered for the Amex and if you dont qualify, then the store card. Online, the only option is for the storecard.

And to the OP, this is a tough one, I've never heard of a Macy's recon, particularly because this seems like one of the EASIEST cards to get...I'm talkin people credit scores in the 500s that can eke out a $100 CL card. Is there any chance you may have burnt Macy's in the past?

Re: Recon for Macys..need help!

Anonymous — Mon, 30 Apr 2012 19:46:23 GMT

@learnin113 wrote:
What box? If this is an instore app, they will consider you for the Amex first, and if not then the store card. Online, the only option is for the storecard.

And to the OP, this is a tough one, I've never heard of a Macy's recon, particularly because this seems like one of the EASIEST cards to get...I'm talkin people credit scores in the 500s that can eke out a $100 CL card. Is there any chance you may have burnt Macy's in the past?

No, they do not. You have to specify what card you are apping for. Its either or.

Re: Recon for Macys..need help!

learnin113 — Mon, 30 Apr 2012 19:47:58 GMT

@Anonymous wrote:
@learnin113 wrote:
What box? If this is an instore app, they will consider you for the Amex first, and if not then the store card. Online, the only option is for the storecard.

And to the OP, this is a tough one, I've never heard of a Macy's recon, particularly because this seems like one of the EASIEST cards to get...I'm talkin people credit scores in the 500s that can eke out a $100 CL card. Is there any chance you may have burnt Macy's in the past?
No, they do not. You have to specify what card you are apping for. Its either or.

I edited my post, because I'm not sure of the "checking of a box". I know I was certainly not given that option.

Re: Recon for Macys..need help!

Anonymous — Mon, 30 Apr 2012 19:50:10 GMT

Like I said, a lot of associates do not disclose that there is in fact a box to check, its on the same screen as the signnature prompt. So a lot of people just assume they sign, and they're done. A lot of assocates also don't really care to, because they get an application and get paid for it regardless of if it is approved, or denied.

Re: Recon for Macys..need help!

navigatethis12 — Mon, 30 Apr 2012 19:50:52 GMT

@learnin113 wrote:
What box? Never heard of checking a box for Amex. I thought if you apped instore you were first considered for the Amex and if you dont qualify, then the store card. Online, the only option is for the storecard.

This is what I was told and have seen elsewhere. Although there is a box that you can check to say you do not want to be considered for the American Express card.

Re: Recon for Macys..need help!

bostonte — Mon, 30 Apr 2012 20:25:54 GMT

The box is a "I don't want a Macys Amex under any condition" box. If you don't check it, they consider for the combined account (Amex plus store) and then store only -- giving you the best you qualify for. Macy's has absorbed dozens of other stores, and often their blacklists. OP, have you had any issues with a department store in the past?

Re: Recon for Macys..need help!

Anonymous — Mon, 30 Apr 2012 20:46:05 GMT

@bostonte wrote:
The box is a "I don't want a Macys Amex under any condition" box. If you don't check it, they consider for the combined account (Amex plus store) and then store only -- giving you the best you qualify for. Macy's has absorbed dozens of other stores, and often their blacklists. OP, have you had any issues with a department store in the past?

The system at Macy's isn't like the system at Best Buy, where you either qualify for the HSBC Mastercard, or the store card only. The system at Macy's requires the applicant to decide which card they want to be considered for. A check in box means that they will only try and approve you for the Macy's red card, if you do not check the box, you are not applying for the Store card, you are only asking to be considered for the Amex, only. Its not an either or sort of application like the one at Best Buy like I previously stated.

Re: Recon for Macys..need help!

learnin113 — Mon, 30 Apr 2012 21:16:29 GMT

@Anonymous wrote:
@bostonte wrote:
The box is a "I don't want a Macys Amex under any condition" box. If you don't check it, they consider for the combined account (Amex plus store) and then store only -- giving you the best you qualify for. Macy's has absorbed dozens of other stores, and often their blacklists. OP, have you had any issues with a department store in the past?

The system at Macy's isn't like the system at Best Buy, where you either qualify for the HSBC Mastercard, or the store card only. The system at Macy's requires the applicant to decide which card they want to be considered for. A check in box means that they will only try and approve you for the Macy's red card, if you do not check the box, you are not applying for the Store card, you are only asking to be considered for the Amex, only. Its not an either or sort of application like the one at Best Buy like I previously stated.

I really dont think this is correct. Sorry.

Re: Recon for Macys..need help!

bostonte — Mon, 30 Apr 2012 21:19:11 GMT

@Anonymous wrote:
@bostonte wrote:
The box is a "I don't want a Macys Amex under any condition" box. If you don't check it, they consider for the combined account (Amex plus store) and then store only -- giving you the best you qualify for. Macy's has absorbed dozens of other stores, and often their blacklists. OP, have you had any issues with a department store in the past?

The system at Macy's isn't like the system at Best Buy, where you either qualify for the HSBC Mastercard, or the store card only. The system at Macy's requires the applicant to decide which card they want to be considered for. A check in box means that they will only try and approve you for the Macy's red card, if you do not check the box, you are not applying for the Store card, you are only asking to be considered for the Amex, only. Its not an either or sort of application like the one at Best Buy like I previously stated.

You are incorrect.

Re: Recon for Macys..need help!

Anonymous — Tue, 01 May 2012 02:20:54 GMT

Well then please prove me wrong, I work there and have people apply everyday. If you can show me where you are reading this, that would be awesome.

Re: Recon for Macys..need help!

cappucino24 — Tue, 01 May 2012 02:50:44 GMT

There is a box for the Macy's card but that wasn't mentioned to me at the time of application. My sister worked there part-time over the holiday season and just confirmed that it comes up on the signature pad during the application process. The associate had me moving so fast I didn't notice...

No I didn't burn any department store or Macys in the past...My credit score for Experian is around 570..I haven't check in a month or so...(lender pull). As I stated I'm in a rebuilding stage and have only 2 derogs that I'm disputing, everything else is paid/closed and I have 9 good standing accounts that includes my car financed by Chase (my bank), and 2 credit cards...I pulled my report (since this was an adverse action) from Experian prior to calling them back so I could reference while on the phone.

The "credit analyst" seemed more concerned about the 2 derogs as opposed to the current and paid accounts...What really frustrates me is that I also thought Macy's was easy to get...fooled me! Lol..

Thanks for the suggestions...

Re: Recon for Macys..need help!

Anonymous — Tue, 01 May 2012 02:57:52 GMT

The regular store card is, trust me. But since you apped for the Amex version, you should call back and see of there is a way they can app you for the store card only, using the same report so that you don't get another HP.

Re: Recon for Macys..need help!

cappucino24 — Tue, 01 May 2012 03:11:14 GMT

This will be my third call Logan..do you think it would be a problem? I know they have notes of my previous calls because the rep stated that in the conversation. I have no problem calling..Macys gets ALOT of my money!

Re: Recon for Macys..need help!

-Cain- — Tue, 01 May 2012 05:43:04 GMT

Logan, I applied for the AmEx variety in-store, and was given the regular Red Star Rewards card. I did not check a box, and have actually called in to verify that the cashier had indicated I wanted the AmEx version. They said I was not approved for AmEx, so they gave me the Red. This is what happened in my case, so I'd have to differ with your opinion.