@Anonymous wrote:
@KSK1912 wrote:
@Anonymous wrote:While I have heard that Macys Amex will give a increa once you open your account, that didn't work for me either. I was approved for 4K early October and I waited 3 months (early Jan) and called in for a CLI and asked for a total of15K, but got 14K. Didn't mind the hard pull for a 10 K increase. Give it a couple of months.... Congrats!
Congrats OP.
Rose do you remember your scores and which bureau they pull. I have the store card since around october i think and it is $2K CL. Did you have the store card before the Amex version, and do you know who backs up the Amex card?
KSK1912. I know my Experian score was 704 and of course they pulled Experian, lol! At the time that I apped I didn't have a Macys card.I made a trip into the store and went to the register/salesclerk and used the keypad that is used when you swipe your credit card. A receipt printed with the approval information. DSNB (Department Store National Bank) backs the card. However, when I go in to make payments, use the wallet feature, etc. the system takes me to Citi site for payments, statements, etc. I can also say that I have recieved several mailers from Citibank Double Cash lately. I'm not taking the bait now with Citi, I have too many new accounts and several inquiries and I know I will either get denied or low balled. I will wait and try to garden for a while, lol!
one other point when I called in for a credit line increase, it was a HP. The rep put me on hold after I told her what I wanted and gave her the income info, she came back to say she was having a hard time pulling my EQ rpt. It was frozen and I asked if she would pull EX and she said sure!!! A couple of minutes later, I got the approval for a 10K increase.
Thanks Rose. One thing i need to mention to you, i got the mailer from CIti just last week as well. Even thoug my uti is very high now, i thought they might have noticed my Amex accout, MAcy's store account that i have been using very little, and when i checked their website, (getting no pre app ever till last week) i ended up seeing 2 offers instead of one. Pulled the trigger, denied. Just this morning i checked and they softed my EQ mid march, or towards the end of march. So no major changes since then on my reports. So i think it is really a bait but not necessarily a solid pre approval, So just be careful if you decide to apply. Since that denial, no pre app on their website for me. Although i could not get the card, it was nice to have a pre app from citi even for a day 