topic Re: MACYS CLI QUESTION in Credit Cards

MACYS CLI QUESTION

BearsAndTurtlesRtheBest — Fri, 11 Jan 2013 02:38:43 GMT

My sister got her Macys card on April 2012 with a $300 CL yeah thats ugly knwoing that MACYS HAS ITEMS THAT ARE MORE THAN $300. So we wanted to use it maybe this weekend and see if they can give us a cli but my question is will it be a SP o HP? We've already used the card and given payments so it has a excellent payment history but havent used it since November 2012. Anyone wanna share there story of when they got their CL of $300 to IDK anyhting higher than $300!?!?! HAHHA THANKS!

Re: MACYS CLI QUESTION

creditnocash — Fri, 11 Jan 2013 02:43:13 GMT

personally the 2 times i asked were soft pulls but its ymmv since others have posted it was a hard pull.

i originally opened the card in december 10' and they only gave me a 100$ limit, yea 100.

i used it a few times and paid it off all by may maybe of that year and then didnt use it for about a year and decided to go online(jun 12') and look at my statements and noticed they upped it too 2k. anyways called up from the number on the back of the card and asked for a cli to 3.5k not too be too farfeched. the lady put me on hold while she dialed uw, and after 45 seconds(which felt like an hour)

she goes congratulations enjoy the sales! (4th of july sales) obviously at 24% apr id never carry a balance.

Re: MACYS CLI QUESTION

BearsAndTurtlesRtheBest — Fri, 11 Jan 2013 02:52:04 GMT

HMMM its risky we are trying to basically get all her cards over $999 so far she has her Lowes (AU) to $6,000, Sport Chalet VISA (JOINT)to $3,000, Old Navy $1,300, and still want her AE , CHEVRON , MACYS TO AT LEAST TOUCH THE 1K'S. Anyone else? Thanks for shating!!! @creditnocash

Re: MACYS CLI QUESTION

BearsAndTurtlesRtheBest — Fri, 11 Jan 2013 02:53:46 GMT

Should we just go ahead and do a CLI REQUEST ONLINE? (bitting finger nails)

Re: MACYS CLI QUESTION

creditnocash — Fri, 11 Jan 2013 02:55:46 GMT

@BearsAndTurtlesRtheBest wrote:
Should we just go ahead and do a CLI REQUEST ONLINE? (bitting finger nails)

if your willing to give up a hard pull for it?

as someone's signature says.

always expect a hardpull and be relieved when its not!

Re: MACYS CLI QUESTION

Rhaeny — Fri, 11 Jan 2013 02:58:29 GMT

When I called in for mine I told them I wanted a CLI with a sp only. I asked the rep that if it required a hard pull would she abort the request. She said yes no problem and I was given an extra 500. That is how I have been doing with all of my CLI's. If they don't understand what I'm saying then I just hang up and call back later. I had some reps to tell me that it will ALWAYS be an hp. I knew they were full of cow manure so I just hung up. When you are talking to them you can tell if you're talking to a turd face who is clueless. Of YMMV, but this has been working for me.

Re: MACYS CLI QUESTION

Creditaddict — Fri, 11 Jan 2013 06:08:53 GMT

It SHOULD be SP, some reps don't know, some tell you it is HP and it's SP, it is suppose to be SP, I can't say it enough....

Macy's is usually very generous with CLI. I would ask for $3k based on some of the other higher limit joint cards and such... they will counter.

Re: MACYS CLI QUESTION

visorboy1974 — Fri, 11 Jan 2013 06:36:35 GMT

SP for me via chat feature back in September.

Re: MACYS CLI QUESTION

BearsAndTurtlesRtheBest — Sat, 12 Jan 2013 02:15:24 GMT

thats soo weird just chated with a rep via chat, and she told me that it would require a hard pull. We don't want a inq on her EX report because ALL THE inquries on her EQ, TU , AND EX will fall off April Of 2014 and dont want another inquire. The hting is that we dont want to get the CLI requst denied asnd still have that inq from macys We will have to wait.......... i suppose

Re: MACYS CLI QUESTION

BearsAndTurtlesRtheBest — Sat, 12 Jan 2013 02:16:19 GMT

^ she only has three inq on Ex, 4 on Eq, and two on Tu

Re: MACYS CLI QUESTION

zerobacan — Tue, 12 Mar 2013 00:38:40 GMT

I was wondering, how did she do?

did she ever tried?

Re: MACYS CLI QUESTION

Anonymous — Tue, 12 Mar 2013 00:46:11 GMT

I got my Macy's AMEX card increased from $300 to $2300.

Re: MACYS CLI QUESTION

NegotiatorRogerSmith — Tue, 10 Jun 2014 15:15:01 GMT

@Rhaeny wrote:
When I called in for mine I told them I wanted a CLI with a sp only. I asked the rep that if it required a hard pull would she abort the request. She said yes no problem and I was given an extra 500. That is how I have been doing with all of my CLI's. If they don't understand what I'm saying then I just hang up and call back later. I had some reps to tell me that it will ALWAYS be an hp. I knew they were full of cow manure so I just hung up. When you are talking to them you can tell if you're talking to a turd face who is clueless. Of YMMV, but this has been working for me.

"YMMV" is a cop-out... you're either going to sell them on why they should increase your line, or they've sold you on why they can't.

To the OP:

Failsafe is to freeze all your reports. Request a CLI, tell them you understand the first option is for them to base the decision on the account history and last report they have on record (which is the file maintenance request (soft pull) they do normally every month), and if their system doesn't allow it, THEN you can request that underwriting manually pull a report for further consideration (which you WON'T move forward with, nor could they even if they tried (because they're all frozen)).

MUCH of the lending decision (with ANY financial institution), despite what anyone says, is going to rely more on your reported income, THEN credit rating, not to say the credit rating's not important.

Yes, you can get a respectable credit line without high income... it just takes longer.

Also, there's no twiddling-your-thumbs waiting period either... since it's based on a soft pull, you can theoretically ask every day without impact, but unless your report or reported income has changed, you can expect the same result, so realistically, call back after report updates in your favor AND Macy's has done their regular file maintenance request (which you'll see in the soft inquiry section of your CR) that they'll be referring to.

Also, ask for an optimistically high number, and if the system doesn't allow it, make multiple requests on the same call, reducing each request by ~$500 increments until the system allows it.

Requests of $10k+ is normally gonna require HP; however, it can be fought... personally, it's not worth the effort.

A little tedious, but if it saves you an accidental HP from a half-witted CSR, and the headache of getting the HP deleted, I'd take the tedious option EVERY time.

Wash. Rinse. Repeat.

Re: MACYS CLI QUESTION

BearsAndTurtlesRtheBest — Tue, 10 Jun 2014 17:32:37 GMT

Old thread but the card ended up being closed same for all the store cards she did request the CLI and it was a HP.