topic Re: Applying for a card you already have... Possible? in Credit Cards

Applying for a card you already have... Possible?

kwinks — Fri, 15 Mar 2013 09:01:52 GMT

I am currently an au on my moms macys store card. I want my own. Can I apply for the card while still being an au or do I have to remove myself and then apply...

I am afraid that when I am removed as au my aaoa will go down and will lower my score as well.

Also does anyone know if macys is inquiry sensitive and what scores are ideal?

Re: Applying for a card you already have... Possible?

Anonymous — Fri, 15 Mar 2013 09:35:28 GMT

you can apply. technically that is considered your mom's card, not yours, even though youa re an AU.

you do not need to remove yourself as AU.

Are you talking about the store card or the Amex branded version store card?
Anyways score wise I think as long as you have >650 you stand a good chance. Not sure if they're inquiry sensitive.

Most store cards in general are very easy to get

Re: Applying for a card you already have... Possible?

DeadSpider — Fri, 15 Mar 2013 09:35:49 GMT

You don't need to remove AU. So go for it.

Re: Applying for a card you already have... Possible?

Anonymous — Fri, 15 Mar 2013 16:14:25 GMT

Yes, totally possible (I've done it). I wonder if it might even help your approval chances...

Re: Applying for a card you already have... Possible?

kwinks — Sat, 16 Mar 2013 09:01:17 GMT

Okay thanks you guys. I'll try it. Just have to wait for my payments to finally post. This month is taking forever. Neither amex or chase have updated yet

Re: Applying for a card you already have... Possible?

Anonymous — Sat, 16 Mar 2013 09:35:01 GMT

do u shop a lot at macy's?
i won't recommend the card unless you absolutely want it.

the fees they charge are ridiculous.

i get charged a $2 fee for paying my bill in full. so called educational fee or watever crap they decide to call it.

you can google and read more on it.

Re: Applying for a card you already have... Possible?

Anonymous — Sat, 16 Mar 2013 09:39:34 GMT

I just got that card and its one of those I will just let my kids use. -sigh- my Nordstrom gets my attention. But to the OPs question, yes you can get your own and remain an AU.