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Macys Store Card/Amex Confusion

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CreditCuriosity
Moderator Emeritus

Re: Macys Store Card/Amex Confusion

congrats popa!

Message 11 of 21
Anonymous
Not applicable

Re: Macys Store Card/Amex Confusion


@Anonymous wrote:

@chalupaman wrote:

Update:

 

I called Macys Credit CC and the rep said that I indeed have both the store card and the Macy's Amex. In order to add the Amex one online though, I have to wait for the card and delete the store card from the login and add that first so it doesn't do it twice.

 

The Macy's Amex CL is $3k and the store version is $1k. Sweet. Early upgrades to the card are possible after all. I applied for the store card online so I was really surprised my request went through eventually.


Thats awesome Popa! remember to keep asking for those SP CLI for the macys line only. i did it as soon as i got in the mail and i got an extra 500. make sure its only on the macys line. because they will do a HP on the amex line. 

 

It took 3 weeks from when i requested to be upgraded to the amex.


Through CHAT or do you call in for CLI? I just received my card in the mail Tuesday.

Message 12 of 21
chalupaman
Super Contributor

Re: Macys Store Card/Amex Confusion

I called in to have it done. The changes weren't immediate either. It can take up to 30 days and last time I checked, it still just had the regular Macy's icon. 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 13 of 21
Anonymous
Not applicable

Re: Macys Store Card/Amex Confusion


@chalupaman wrote:

I called in to have it done. The changes weren't immediate either. It can take up to 30 days and last time I checked, it still just had the regular Macy's icon. 


Now I'm afraid the amount of recent inquiries will be a negative if I call for a Macy's Amex upgrade. I have 4 this month.

Message 14 of 21
chalupaman
Super Contributor

Re: Macys Store Card/Amex Confusion

No need to be afraid. There's no hp if you try anyway. If it doesn't work, try again in a few months. That's how I like to think about things and taking some chances from time to time.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 15 of 21
chalupaman
Super Contributor

Re: Macys Store Card/Amex Confusion

I really thought I wouldn't get the Amex either right away so it was a major surprise to see this.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 16 of 21
Anonymous
Not applicable

Re: Macys Store Card/Amex Confusion


@chalupaman wrote:
No need to be afraid. There's no hp if you try anyway. If it doesn't work, try again in a few months. That's how I like to think about things and taking some chances from time to time.

Smiley Wink

Message 17 of 21
Anonymous
Not applicable

Re: Macys Store Card/Amex Confusion


@chalupaman wrote:
I really thought I wouldn't get the Amex either right away so it was a major surprise to see this.

Ok, I'm tossing it around.  I'll let you know.

Message 18 of 21
Anonymous
Not applicable

Re: Macys Store Card/Amex Confusion


@chalupaman wrote:
No need to be afraid. There's no hp if you try anyway. If it doesn't work, try again in a few months. That's how I like to think about things and taking some chances from time to time.

Ok, I did it.  Took all of 1.5 minutes!  Never mentioned anything about it being a hp so that's good.  Maybe I'll get the Amex upgrade too!  Smiley Happy

 

It didn't take long to hear about your approval since you only did it last week I believe, correct me if I'm wrong.

Message 19 of 21
chalupaman
Super Contributor

Re: Macys Store Card/Amex Confusion


@Anonymous wrote:

@chalupaman wrote:
No need to be afraid. There's no hp if you try anyway. If it doesn't work, try again in a few months. That's how I like to think about things and taking some chances from time to time.

Ok, I did it.  Took all of 1.5 minutes!  Never mentioned anything about it being a hp so that's good.  Maybe I'll get the Amex upgrade too!  Smiley Happy

 

It didn't take long to hear about your approval since you only did it last week I believe, correct me if I'm wrong.


Good luck. Yeah, I think I got approved for Macys earlier this month, so about a week or two there.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 20 of 21
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