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Quick question for the Macy's pros!
Do you know if Macy's blacklists? I had the store card when I was 18 (32 now) and let it charge off without ever paying it from my knowledge, it's obviously not on my credit reports.
I am now in way better standing financially and credit wise and I would like to try out the Macy's monthly trick I've been seeing but I do not want to apply in store if I'm still on the blacklist (if there is one). Can anyone advise or know where I could get the answer?
Thank you!
UPDATE - APPROVED FOR $200. WILL WATCH IT GROW.
It's backed by Citi, supposedly they do blacklist for a time. I'm in a similar situation (chargeoff Macy's card that I've never paid). I was able to get a Citi backed Shell card (and CLI), so I don't know how strict their blacklist is.
I included them in a bankruptcy back in 2008. I wasn't able to get a new card until my bankruptcy fell off. I'd say you might have a chance since it's been awhile.
City does have a blacklist. We're talking about a store card from 14 years ago, I'd say you'll have a good chance of approval.
How about 6.75 years ago?
Whew, I didn't even realize it was that long ago. 18 feels like yesterday!
Thank you, I'll consider apping the next time I'm in store.
@Whitneyy wrote:Whew, I didn't even realize it was that long ago. 18 feels like yesterday!
Thank you, I'll consider apping the next time I'm in store.
Just apply online. It will still grow
I applied, said I need further consideration through credit department after having me call the number.
Said I'd know by the 6th of November.
If anyone curious, immediate pull on my Experian reports.
Okay, the fraud department called me and asked all these verification questions and approved me for a whopping $200.
The same amount from when I was 18. LOL.
Is there a thread on how to do the Macy's trick?
I'm curious. I don't care for the 25k I'll happily take around 10k.
Thank you guys again!
Congratulations on your Macy's Approval