Macys Amex?

[Harvey26]

I currently work for macys and best buy and I was denied for best buy yesterday (11-4-15) with no possibility of recon so I was wondering should I get the macys amex so I ca round of my credit profile and have 3 cards cause of right now I only have 2 in my name a Discover IT 1K and Wells Fargo secured 300 ... Of course I would get my mom to cosign with me so I can get approved as she as excellent credit and either 0 or 1 inquires on her credit report.. Do you guys think this is a good idea. 

Scores are EQ: 673 and TU: 684 

[creditguy]

I read previous posts where you were recently approved for BOA secured and are an AU on a $7.5K chase freedom. If this correct, that gives you a pretty good line up to work with. I would just let those age like cheese for a while to build up your AAOA. No one can say for sure if you'd be approved for a Macy's Amex, worst case scenario you would end up with the store version. If you work at macy's you still need a card to take advantage of your discount correct? At least that is what I heard. If you can afford a HP you might as well apply and find out one way or the other, because you seem fairly determined to apply, after that hit the garden, a little time and patience will do wonders for your file. Good Luck!!

[Harvey26]

I really am determined but i dont have the BOA anymore because I switched banks and yeah you do have to have the card for the discount. 

@creditguy wrote:

I read previous posts where you were recently approved for BOA secured and are an AU on a $7.5K chase freedom. If this correct, that gives you a pretty good line up to work with. I would just let those age like cheese for a while to build up your AAOA. No one can say for sure if you'd be approved for a Macy's Amex, worst case scenario you would end up with the store version. If you work at macy's you still need a card to take advantage of your discount correct? At least that is what I heard. If you can afford a HP you might as well apply and find out one way or the other, because you seem fairly determined to apply, after that hit the garden, a little time and patience will do wonders for your file. Good Luck!!

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[creditguy]

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@Harvey26 wrote:

I really am determined but i dont have the BOA anymore because I switched banks and yeah you do have to have the card for the discount. 

@creditguy wrote:

I read previous posts where you were recently approved for BOA secured and are an AU on a $7.5K chase freedom. If this correct, that gives you a pretty good line up to work with. I would just let those age like cheese for a while to build up your AAOA. No one can say for sure if you'd be approved for a Macy's Amex, worst case scenario you would end up with the store version. If you work at macy's you still need a card to take advantage of your discount correct? At least that is what I heard. If you can afford a HP you might as well apply and find out one way or the other, because you seem fairly determined to apply, after that hit the garden, a little time and patience will do wonders for your file. Good Luck!!

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 Did you close the BOA card because you switched banks? You know you don't have to bank there to have a card there right? 

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[Harvey26]

I closed it because they had messed up my checking and saving accounts and it was taking them too long so I switched to wells fargo and they approved it with in a day and took the money two days later

@creditguy wrote:

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@Harvey26 wrote:

I really am determined but i dont have the BOA anymore because I switched banks and yeah you do have to have the card for the discount. 

@creditguy wrote:

I read previous posts where you were recently approved for BOA secured and are an AU on a $7.5K chase freedom. If this correct, that gives you a pretty good line up to work with. I would just let those age like cheese for a while to build up your AAOA. No one can say for sure if you'd be approved for a Macy's Amex, worst case scenario you would end up with the store version. If you work at macy's you still need a card to take advantage of your discount correct? At least that is what I heard. If you can afford a HP you might as well apply and find out one way or the other, because you seem fairly determined to apply, after that hit the garden, a little time and patience will do wonders for your file. Good Luck!!

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 Did you close the BOA card because you switched banks? You know you don't have to bank there to have a card there right? 

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[ddemari]

Macys Amex will more than likey pull EX for you, although it could have changed a little bit usually an EX puller. I'd say having at least a 690 for the amex, closer to 700 the better.