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MACY’S AMEX - APPROVED - SL $1.5K

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Jeffster1
Valued Contributor
‎09-18-2023 10:46 PM
‎09-18-2023 10:46 PM

MACY’S AMEX - APPROVED - SL $1.5K

I had posted a while back that I had a Macy's Amex prior to my 2017 CH 13, and that I would never apply for a Macy's card again. Well, with the holidays coming up, I began to miss some of the perks of holding a Macy's card. Except now (unlike pre-BK)...since I don't carry balances and don't care about high APRs...I started to open my mind to consider reapplying. 

I really did think...for some reason...that I IIB Citi/Macy's, but, as it turns out, I did not. It turns out that I paid them off quite some time before my BK. To be honest, that entire time is a blur as I was treading water financially. Even though not IIB, I do know I was a slow payer on my Macy's Amex during that time with high utilization on the card.

 

I really did not want the store card. When I previously got my Macy's Amex, it was only offered by invitation after you had been a store cardholder for some time. I recall waiting a few years for the Amex upgrade. My reading on here led me to believe that you could now apply directly for the Macy's Amex. 

Well...tonight...I got a little bit itchy and decided to gamble and apply. I had not yet decided what I would do if I received just the store card, but I went for the application anyway. 

Shockingly...I was approved for both the Amex and the store card. I selected the Amex, of course. The SL is only $1500, but I know that a little use will help this card grow. (I suppose if I applied in-store I could have been approved for more, but I'm good with this instant approval from the comfort of my home). They pulled EX. I'm in SoCal. My scores are in my signature and my BK is still showing on my EX (due to fall off March 2024). Annual income is 200K.


I'm definitely looking forward to growing this card. Combined with my Citi/Best Buy Visa approval a few weeks ago, I'm guessing Citi Retail doesn't hate me after all.

FICO 8 EX 829 EQ 824 TU 844
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 25 K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I
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11 REPLIES 11
Priory_Man
Valued Contributor
‎09-19-2023 03:42 AM
‎09-19-2023 03:42 AM

Re: MACY’S AMEX - APPROVED - SL $1.5K

Congrats on the new card






"Total revolving credit $286,000 Current UTIL >1%"
Message 2 of 12
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JoeRockhead
Senior Contributor
‎09-19-2023 05:31 AM
‎09-19-2023 05:31 AM

Re: MACY’S AMEX - APPROVED - SL $1.5K

Congratulations on your Macy's Amex approval!

Message 3 of 12
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BigBS
Senior Contributor
‎09-19-2023 06:23 AM
‎09-19-2023 06:23 AM

Re: MACY’S AMEX - APPROVED - SL $1.5K

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 4 of 12
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SouthJamaica
Mega Contributor
‎09-19-2023 08:03 AM
‎09-19-2023 08:03 AM

Re: MACY’S AMEX - APPROVED - SL $1.5K

@Jeffster1 wrote:

I had posted a while back that I had a Macy's Amex prior to my 2017 CH 13, and that I would never apply for a Macy's card again. Well, with the holidays coming up, I began to miss some of the perks of holding a Macy's card. Except now...since I don't carry balances and don't care about high APRs...I started to open my mind to consider reapplying. 

I really did think...for some reason...that I IIB Citi/Macy's, but, as it turns out, I did not. It turns out that I paid them off quite some time before my BK. To be honest, that entire time is a blur as I was treading water financially. Even though not IIB, I do know I was a slow payer on my Macy's Amex during that time with high utilization on the card.

 

I really did not want the store card. When I previously got my Macy's Amex, it was only offered by invitation after you had been a store cardholder for some time. My reading on here led me to believe that you could now apply directly for the Macy's Amex. 

Well...tonight...I got a little bit itchy and decided to gamble and apply. I had not yet decided what I would do if I received just the store card, but I went for the application anyway. 

Shockingly...I was approved for both the Amex and the store card. I selected the Amex, of course. The SL is only $1500, but I know that a little use will help this card grow. They pulled EX. I'm in SoCal. My scores are in my signature and my BK is still showing on my EX (due to fall off March 2024).


I'm definitely looking forward to growing this card. Combined with my Citi/Best Buy Visa approval a few weeks ago, I'm guessing Citi Retail doesn't hate me after all.

Congratulations on the approval, and thanks for the info.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 684 EX 685




Message 5 of 12
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CreditMagic7
Mega Contributor
‎09-19-2023 09:49 AM
‎09-19-2023 09:49 AM

Re: MACY’S AMEX - APPROVED - SL $1.5K

Congratulations on your New Macy's Amex approval!

Message 6 of 12
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CYBERSAM
Senior Contributor
‎09-19-2023 10:27 AM
‎09-19-2023 10:27 AM

Re: MACY’S AMEX - APPROVED - SL $1.5K

Congrats on your new MACY’S AMEX! 🤑👍👍

One of the better store cards to have. It'll grow quick and now they pushing ppl to use it more outside of Macys stores.







                
Message 7 of 12
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KingRue8500
Senior Contributor
‎09-19-2023 04:46 PM
‎09-19-2023 04:46 PM

Re: MACY’S AMEX - APPROVED - SL $1.5K

Congrats on your Macy's AMEX approval




Message 8 of 12
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NoMoreDebt
Senior Contributor
‎09-19-2023 05:22 PM
‎09-19-2023 05:22 PM

Re: MACY’S AMEX - APPROVED - SL $1.5K

Congrats on your approval

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $5000 SL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 9 of 12
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CreditAggie
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎09-19-2023 10:52 PM
‎09-19-2023 10:52 PM

Re: MACY’S AMEX - APPROVED - SL $1.5K

Congratulations on your Macy's Amex approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (March 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

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