topic Re: Macy's question in Credit Cards

Macy's question

Tomgon1981 — Wed, 22 Oct 2014 01:03:26 GMT

I've had my Macy's store card for about 8 months now, does anyone know when I can expect a cli, and if it's a SP or HP is it a auto increase, or do I need to call CS and last question is how do they determine when you are eligible for a AMEX any help would be appreciated

Re: Macy's question

FinStar — Wed, 22 Oct 2014 01:22:40 GMT

@Tomgon1981 wrote:
I've had my Macy's store card for about 8 months now, does anyone know when I can expect a cli, and if it's a SP or HP is it a auto increase, or do I need to call CS and last question is how do they determine when you are eligible for a AMEX any help would be appreciated

For the most part (in the high 90% anecdotal rate) most CLI requests are SP. There are times when Macy's may also auto-cli depending on your account's history and other factors (i.e. your credit profile, etc). You can also submit a request to see if you account is elegible to have the companion AMEX. From what some have reported, the review is also SP, but others have also commented it could be HP. To get their AMEX, just be sure your overall credit profile is relatively clean and your scores are decent.

Re: Macy's question

Anonymous — Wed, 22 Oct 2014 01:26:31 GMT

@Tomgon1981 wrote:
I've had my Macy's store card for about 8 months now, does anyone know when I can expect a cli, and if it's a SP or HP is it a auto increase, or do I need to call CS and last question is how do they determine when you are eligible for a AMEX any help would be appreciated

I got my Macys card on August 16, 2014. I had noticed they did an AR soft pull on me a couple weeks ago so 3 days ago on October 18 I got on secure chat and asked for an increase, figuring they had a recent soft pull on file for me so there should be no HP. They doubled me from $600 to $1200. No HP. Can't help you with the AMEX question

Re: Macy's question

Creditaddict — Wed, 22 Oct 2014 03:57:32 GMT

I request every 3 months... they always say it will be a hp and it's ALWAYS been a SP!

I usually aim very high and they will counter.

Re: Macy's question

pip3man — Wed, 22 Oct 2014 04:26:23 GMT

Very ironic someone asked this question today because I was trying to get a CLI on my Macy's AMEX earlier in the day. They last AR me on EQ 09/26/2014. Currently have a $0 balance on revolving and $0 on the AMEX and I use this card HEAVILY (have pushed over $5k in combined purchase between Sept & Oct alone). I have a freeze on all 3 CRA now here's the kicker - they couldn't process my CLI request because of the freeze! He asked if he had my permission to pull my CR and I ok'ed it so I was very shocked when he told me they can't access a copy of my report and I had to unfreeze. I was thinking a block doesn't hinder a current creditor from pulling but I was dead wrong. The bottomline is if didn't have the freeze obviously they would have HP'd to process my CLI.

Re: Macy's question

Anonymous — Wed, 22 Oct 2014 05:04:33 GMT

I got my card around march around august i asked for a cli and it was a soft pull. By january ill ask another cli and for the amex version.

Re: Macy's question

Creditaddict — Wed, 22 Oct 2014 05:09:08 GMT

I can't answer why but when reports were frozen I was declined. When reports unlocked it's always sp and I always thought not only can current creditors access frozen reports but frozen reports are not suppose to effect sp's but it always seems to.!

Re: Macy's question

Kirmie2010 — Wed, 22 Oct 2014 07:13:24 GMT

I never asked for a CLI but got one when I called to confirm I was approved, 500 cli, It was a SP.

Re: Macy's question

SunriseEarth — Wed, 22 Oct 2014 09:55:38 GMT

@Tomgon1981 wrote:
I've had my Macy's store card for about 8 months now, does anyone know when I can expect a cli, and if it's a SP or HP is it a auto increase, or do I need to call CS and last question is how do they determine when you are eligible for a AMEX any help would be appreciated

You're definitely overdue for asking for CLI. You can either call or online chat to ask. CLIs for Macy's are almost always SP. As for the AMEX upgrade, you're eligible to request after 6 months. I've heard the upgrade was HP, but I've also heard of some being able to upgrade on an SP.

Re: Macy's question

pokerpro — Wed, 22 Oct 2014 10:30:54 GMT

I think their policies are a joke

CLI for me was a soft pull every time

but I know of relatives that ended up with HP

how can you have such discrepancy

amex upgrade seems to be inconsistent as I am reading sunrise comments

Re: Macy's question

ScoreOrBeScored — Wed, 22 Oct 2014 14:35:21 GMT

My Macy's history

opened Jan. 2014 $400

called same day for increase. CLi $200----> $600

Marxh 2014 - Asked for CLi $1,400-----> $2,000

April 2014 - added furniture acct - $5k STarting limit

June - 2014 - Added Jewelry acct - $2,300 starting limit

July 2014 - Asked for CLi $500 -------> $2,500

my clothes ( revolving ) acct is at $2,500 Limit in 9 months of being open. I will

be requesting another one in Nov. 2014 Everything listed above was a SP and all done over the phone.

Re: Macy's question

FinStar — Wed, 22 Oct 2014 17:38:36 GMT

@pokerpro wrote:
I think their policies are a joke
CLI for me was a soft pull every time
but I know of relatives that ended up with HP

how can you have such discrepancy

amex upgrade seems to be inconsistent as I am reading sunrise comments

Talk to Creditaddict, he's allegedly the expert on these matters... oh wait, this is Macy's right, very predictable?

Re: Macy's question

kimmiller112 — Wed, 22 Oct 2014 17:48:08 GMT

I've never gotten an auto CLI on my Macy's card. I've asked for and gotten two CLIs by asking for them. One was SP, one was HP. As far as AMEX goes, they told me the same AMEX requirement apply - at the time I requested my second CLI, my bankruptcy was not quite 8 years old, which disqualified me for AMEX, so I didn't try.

Re: Macy's question

Tomgon1981 — Thu, 23 Oct 2014 00:37:34 GMT

I didn't know they have multiple accounts you can open I.e furniture jewelry how do you go about getting a different account and do you guys think a 615 score would get a CLI

Re: Macy's question

FinStar — Thu, 23 Oct 2014 00:40:45 GMT

@Tomgon1981 wrote:
I didn't know they have multiple accounts you can open I.e furniture jewelry how do you go about getting a different account and do you guys think a 615 score would get a CLI

You can simply contact them and inquire about opening up a Special Events line (IIRC, it's SP but others can chime in since I've had mine for a long time, back then it was HP). As far as the CLI, it's going to depend on a variety of factors, namley the last time they SP'd your CR, your income, and the account history since the score alone is not a determining factor..

Re: Macy's question

BearsAndTurtlesRtheBest — Thu, 23 Oct 2014 09:58:02 GMT

I will also be requesting an upgrade but this will be down the road.... like 30K miles down the road. If they dont budge then dueces! I currently have a balance close to limit. So I do need to wait a bit.