topic Re: macys credit cards in Credit Cards

macys credit cards

Anonymous — Thu, 03 Apr 2008 11:35:29 GMT

i want to get the macys store card and i was wondering if the do a hard inquiry and im in ny do u know which credit report they pull

Re: macys credit cards

unknown_entity — Thu, 03 Apr 2008 11:45:55 GMT

Yes, new credit almost always demands a hard inq. Macys is not the exception.

Re: macys credit cards

Anonymous — Thu, 03 Apr 2008 12:51:47 GMT

They pulled EX for me in NY.

Re: macys credit cards

Anonymous — Thu, 03 Apr 2008 13:13:35 GMT

They pull EX pretty much exclusively.

Re: macys credit cards

Anonymous — Thu, 03 Apr 2008 13:34:14 GMT

They pulled EX on me in Virginia.

Re: macys credit cards

llecs — Thu, 03 Apr 2008 14:36:55 GMT

Ditto to the EX. They are a great card to have and generous with CLIs. If you get approved, and you are looking for another store card, try Bloomingdales as they are the same (backers).

Re: macys credit cards

Anonymous — Thu, 03 Apr 2008 16:19:32 GMT

I was approved for a Macy's card in late, late November or very early December. My FICO scores at the time: TU: 648; EXP: 642; EQ: 643. They initially approved me for $300, but talked them into an immediate $300 cli.

What have others experienced(scorewise) when applying for the Macy's store card when they were approved?

Re: macys credit cards

Anonymous — Thu, 03 Apr 2008 17:47:30 GMT

i didnt get an instant approval... all they said is that i will get a letter in 7 to 10 business days.. they would not tell me if im approve are not.. i know i will not be.

Message Edited by luvly83 on 04-03-2008 10:47 AM

Re: macys credit cards

Anonymous — Thu, 03 Apr 2008 18:19:02 GMT

Think positive, 83. Your EX is, I think, sufficient for Macys.

Good luck.

Re: macys credit cards

Anonymous — Thu, 03 Apr 2008 18:27:03 GMT

I think that your Ex is high enough for approval, as long as there are no recent negatives reporting.

How does your Ex report look?

I would suggest calling Macy's to see if they're doing a manual review. Perhaps calling will help if they have questions regarding anything on your report.

Re: macys credit cards

llecs — Thu, 03 Apr 2008 19:03:01 GMT

To add at Sylvia's request, I was approved for Macys at an EX of 648 on 10/18/07. It was done online and was instant. It allowed me to setup the acct immediately but did not show the CL ($300). I had to call for that.

I had 1 yr. old CO at the time, 1-2 CAs at 5 yrs, 1 repo at 3 yrs, and 2 lates listed at 5 yrs.

DW appd in store around 11/30 with EX at 610 and was approved for $600.

Re: macys credit cards

Anonymous — Fri, 04 Apr 2008 15:49:26 GMT

actuallu my ex went down to 620... i have 6 collection on my experian which include 2 charge off.. one of my charge off is fully paid for i dont know if that makes any difference. and 3 other collection are fully paid for.. the other charge off is from express im in the process of paying that