topic Re: are macy's bk friendly? in Credit Cards

are macy's bk friendly?

Anonymous — Thu, 03 Apr 2008 20:14:50 GMT

just curios. are macy's higher level cards, such as their visa rewards cards, are they bk friendly? I dont wanna apply for a store card, i want the actual visa.

if so, who do they pull from? what scores are optimal?

Re: are macy's bk friendly?

Anonymous — Thu, 03 Apr 2008 22:04:36 GMT

bcnu, from what I've heard here Citi is not BK friendly, and Citi handles Macy's, so I wouldn't think so. Sowwy

Re: are macy's bk friendly?

Anonymous — Thu, 03 Apr 2008 23:36:37 GMT

bcnu176 last year i was planning to get their card so i called csr & i found out it has to be 4 years form filed for BK .

GOOD LUCK .

FICO SCORE AS 03-15-08 EXP 684,EQ 620,TU???

Re: are macy's bk friendly?

Anonymous — Thu, 03 Apr 2008 23:58:06 GMT

NO. Macy's is issued by another smaller bank (not Citi) and they denied my wife saying "Too many public records". She only has 1, the bk filed in 7/07, so I guess that is too many.

Re: are macy's bk friendly?

GST2008 — Fri, 04 Apr 2008 02:09:07 GMT

They are depending on when you filed BK. They use the same credit system as Bloomingdale's and I was able to get a card in November w/ a CL of $1500.00 and then get it increased to $2100 in February. I was upgraded to Ultimate Premier in March, which earns rewards on in store purchase and just got off of the phone with a CCR about half an hour ago. I requested the Visa version of the card and inquired about another CLI. I was told that I would be eligible for the CLI in another two months and that they would submit my request for the Visa and I would find out in a couple days if I got the upgrade or not. I'll repost when I find out if I get the Visa version.

Re: are macy's bk friendly?

Anonymous — Fri, 04 Apr 2008 02:38:04 GMT

Boscoe wrote:

NO. Macy's is issued by another smaller bank (not Citi) and they denied my wife saying "Too many public records". She only has 1, the bk filed in 7/07, so I guess that is too many.

Macy's is issued by DSNB (Department Stores National Bank). DSNB's credit portfolio is serviced by Citi. DSNB is co-owned by Citi and Federated Department Stores, who in turn own Macy's.

Re: are macy's bk friendly?

Anonymous — Fri, 04 Apr 2008 16:22:36 GMT

wow, thnx for all the info. well, i guess i'll give up on macy's. i have 1 bk from 2005, so i guess ill forget macy's. its cool though, i appriciate evry1's responses.

Re: are macy's bk friendly?

Anonymous — Fri, 04 Apr 2008 16:34:56 GMT

bcnu176 wrote:

wow, thnx for all the info. well, i guess i'll give up on macy's. i have 1 bk from 2005, so i guess ill forget macy's. its cool though, i appriciate evry1's responses.

Keep in mind, though, that DSNB has their own underwriting standards for Macy's accounts, which are generally more lenient than Citi's. I don't know if Macy's/DSNB blacklists for BK.

Re: are macy's bk friendly?

Anonymous — Sun, 06 Apr 2008 14:53:39 GMT

My bankruptcy was in 2003. I included at least one citi card. When I first came to this forum and did all of this reading, but obviously not enough, I started applying for tons of credit. Little did I know, most of the cards for which I applied were administered by citi bank. I was declined for all of them, including Macy's.

Re: are macy's bk friendly?

NICKI183 — Sun, 06 Apr 2008 19:55:09 GMT

bcnu176 wrote:

wow, thnx for all the info. well, i guess i'll give up on macy's. i have 1 bk from 2005, so i guess ill forget macy's. its cool though, i appriciate evry1's responses.

I have a BK from 02 and recently applied for Bloomingdales ($200) and Macy's ($1k) and was approved. Actually, this is my third Macy's card- third times a charge and my second Bloomies. Don;t give up on Macy's just let your BK age. They gave me credit when I thought it was in the toliet.

I think because they are not Citi directly they approved. Also in another thread someone gave me a link for Citbank Credit cards and Macy's and Bloomies were listed. Therefore, if you want these cards I think its best you go through the stores direct APPLY website.

Edit by cheddar: Fixed a typo that NEEDED to be fixed! Trust me.

Message Edited by cheddar on 04-06-2008 03:55 PM

Re: are macy's bk friendly?

Anonymous — Wed, 09 Apr 2008 21:48:57 GMT

YES YES YES!!!!

AND I LOVE THIS CARD!!!!!!!