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Macy's AMEX Upgrade Approved! UPDATE

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Anonymous
Not applicable

Re: Macy's AMEX Upgrade Approved!

CoNgRaTuLaTiOnS! !!

Message 11 of 30
FinStar
Moderator Emeritus

Re: Macy's AMEX Upgrade Approved!


@keithbward wrote:

Congrats on the "upgrade"? If I remember correctly, I think you will actually end up with two lines of credit. The regular store card and the AMEX version now.


Correct, it's technically not an upgrade.  Simply an extension of the Macy's retail card in getting the AMEX version.  Both cards are incorporated into just the AMEX (i.e. no need to carry the retail card); however, both will display online separately.

Message 12 of 30
SunriseEarth
Moderator Emeritus

Re: Macy's AMEX Upgrade Approved!


@FinStar wrote:

@keithbward wrote:

Congrats on the "upgrade"? If I remember correctly, I think you will actually end up with two lines of credit. The regular store card and the AMEX version now.


Correct, it's technically not an upgrade.  Simply an extension of the Macy's retail card in getting the AMEX version.  Both cards are incorporated into just the AMEX (i.e. no need to carry the retail card); however, both will display online separately.


"Upgrade" is a subjective term moreso than a technical term.   What the Macy's AMEX offer technically is not is a PC.   PC would be appropriate to use if credit history was maintained in a transition from one product to another.   The Nordstrom store card upgrade to a Nordstrom Visa Siggy would be a PC.  

 

However, not all upgrades are PCs.  Some members refer to a card changing tiers based on usage (VS, JCP, the old Macy's cards, etc.) as an "upgrade."   As for store cards that offer a new TL that uses a major CC payment network (i.e., the SyncB and DSNB cobranded cards), those are also commonly referred to here as "upgrades."   The only real difference with the DNSB upgrade over the SyncB upgrade is that the original store card line is maintained with DSNB.  But in both cases, the cobranded credit line is a new TL.  



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Wayfair MC $9500 |~~
Message 13 of 30
alvon123
Super Contributor

Re: Macy's AMEX Upgrade Approved!

congrats


Message 14 of 30
taxi818
Super Contributor

Re: Macy's AMEX Upgrade Approved!


@dodgerslv wrote:

@SunriseEarth wrote:

Hello,

 

I inquired through chat about the Macy's AMEX upgrade on the 7th.   Today, I login and see that the card image has been updated to the Macy's AMEX and the header now says "Macy's American Express Card."   However, the store card account number is still showing.  I tried calling in to the automated system using both my old account number and my SSN and I wasn't able to get info.  Neither the CSR nor a subsequent analyst had any visibility on it, either.  I'm guessing the card is still in transition.

 

I will update later with CL information.   I'm quite pleased, as just back in March, I had to recon just to get a $600 store line with Macy's.    And now I'm back at seedling status, but I think it'll be worth it.  

 

BTW, I also pulled EX....no HPs!


congrats on the upgrade! i tried back in January but got denied....since then i closed my macys card since they had lowered the limit cuz of lack of usage.


I feel ya. Might cls mine too. Paid bill 3 weeks ago. In full. Yes day statement cut. I got 2 dollar charge. How the hell when I paid in full. Went to chat. She said if you don't pay in full first day. Interest starts on day 1. I said never happened before after I paid in  full so why now? Anyway they removed the 2 dollars. If I did not check I would think I was paid up. Chance to miss payment. Sorry. See you macys. Smiley Mad

Message 15 of 30
alextercero
Super Contributor

Re: Macy's AMEX Upgrade Approved!

Congrats...

Current Credit Cards



Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)


Credit Age:

Inquiries:

Message 16 of 30
MovinOnUp2014
Frequent Contributor

Re: Macy's AMEX Upgrade Approved!


@SunriseEarth wrote:

Hello,

 

I inquired through chat about the Macy's AMEX upgrade on the 7th.   Today, I login and see that the card image has been updated to the Macy's AMEX and the header now says "Macy's American Express Card."   However, the store card account number is still showing.  I tried calling in to the automated system using both my old account number and my SSN and I wasn't able to get info.  Neither the CSR nor a subsequent analyst had any visibility on it, either.  I'm guessing the card is still in transition.

 

I will update later with CL information.   I'm quite pleased, as just back in March, I had to recon just to get a $600 store line with Macy's.    And now I'm back at seedling status, but I think it'll be worth it.  

 

BTW, I also pulled EX....no HPs!


WTG!

Discover I.T. (11k) - U.S. Bank Platinum (9k) - NASA (30k) - Venture (22K) - AMEX Delta Skymiles Gold (6k) -AMEX PRG (AU) plus a few CU CC's and Store Cards = 130k (roughly)
*Post 2010 llB*
Message 17 of 30
CreditMagic7
Mega Contributor

Re: Macy's AMEX Upgrade Approved!

Congrats! on the Macy's UPGRADE!!

Message 18 of 30
SunriseEarth
Moderator Emeritus

Re: Macy's AMEX Upgrade Approved!


@taxi818 wrote:

@dodgerslv wrote:

@SunriseEarth wrote:

Hello,

 

I inquired through chat about the Macy's AMEX upgrade on the 7th.   Today, I login and see that the card image has been updated to the Macy's AMEX and the header now says "Macy's American Express Card."   However, the store card account number is still showing.  I tried calling in to the automated system using both my old account number and my SSN and I wasn't able to get info.  Neither the CSR nor a subsequent analyst had any visibility on it, either.  I'm guessing the card is still in transition.

 

I will update later with CL information.   I'm quite pleased, as just back in March, I had to recon just to get a $600 store line with Macy's.    And now I'm back at seedling status, but I think it'll be worth it.  

 

BTW, I also pulled EX....no HPs!


congrats on the upgrade! i tried back in January but got denied....since then i closed my macys card since they had lowered the limit cuz of lack of usage.


I feel ya. Might cls mine too. Paid bill 3 weeks ago. In full. Yes day statement cut. I got 2 dollar charge. How the hell when I paid in full. Went to chat. She said if you don't pay in full first day. Interest starts on day 1. I said never happened before after I paid in  full so why now? Anyway they removed the 2 dollars. If I did not check I would think I was paid up. Chance to miss payment. Sorry. See you macys. Smiley Mad


Sorry to hear about that.   Unless you had a prior balance, PIF should make you avoid interest when done within the grace period.  



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Wayfair MC $9500 |~~
Message 19 of 30
Anonymous
Not applicable

Re: Macy's AMEX Upgrade Approved! UPDATE


@SunriseEarth wrote:

Hello,

 

I inquired through chat about the Macy's AMEX upgrade on the 7th.   Today, I login and see that the card image has been updated to the Macy's AMEX and the header now says "Macy's American Express Card."   However, the store card account number is still showing.  I tried calling in to the automated system using both my old account number and my SSN and I wasn't able to get info.  Neither the CSR nor a subsequent analyst had any visibility on it, either.  I'm guessing the card is still in transition.

 

I will update later with CL information.   I'm quite pleased, as just back in March, I had to recon just to get a $600 store line with Macy's.    And now I'm back at seedling status, but I think it'll be worth it.  

 

BTW, I also pulled EX....no HPs!

 

UPDATE - I was finally able to get account information for the new AMEX line and found I was approved for $1500 CL!   It's lowish, but still beats my Merrick and Citi DC.   This is definitely further proof that I need to commit to the Garden for at 6 months if I hope to see better CLs!   However, given my past with Macy's, I'm still very pleased with this result!


Way to go!  So proud for you.  That's an awesome feeling, isn't it?!!!Smiley Happy

Message 20 of 30
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