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Macy's CLI approved

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slund5499
Established Contributor

Macy's CLI approved

Called in to request a CLI. Asked for limit to be raised to $2K. Countered with $1K.

A small CLI which I will take since account is only 2 months old. Try again in 4-6 months and will continue to use account and pay balance over 2 statements.

In the garden since 02/1/23. Newest Account AU Discover It 10K
02/23 Scores; EQ 608 TU 642 EX 575 CCU: 20%, Inq. 2, 1, 2 Collections $39K
Lending Club: newest account 2/3/23. Old Fico 1/17 EQ 530 TU 542 EX 512

Message 1 of 12
11 REPLIES 11
chanteezy1006
Contributor

Re: Macy's CLI approved

congrats! do you know if this was a hp? l tried about a month ago and somhow ended up with a hard inquiry on my report. my sad little card from december is only at 300cl.

MY FICO SCORES EQ:641 TR:691 EX:680as of 04/10/2015
Message 2 of 12
chalupaman
Super Contributor

Re: Macy's CLI approved

Cool. I'm gonna try that once I've used mine enough. Congrats.

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 3 of 12
chalupaman
Super Contributor

Re: Macy's CLI approved


@chanteezy1006 wrote:

congrats! do you know if this was a hp? l tried about a month ago and somhow ended up with a hard inquiry on my report. my sad little card from december is only at 300cl.


I think Macy's amex clis are hards while the store is supposed to be a soft.

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 4 of 12
slund5499
Established Contributor

Re: Macy's CLI approved

I am sure it was a SP. This account was AR on Equifax on February 27th.

I do not about the Amex version or the HP/SP from one of those accounts.

 

I charge $93 first month and PIF. The charged $192 and paid $100 last week. Statement cuts next week, so I want to try to pay it off in the store this weekend before statment cuts. Then I wait until next statement cuts then charge and PIF before next due date. This way I should be able to work it like a charge card.....just got to remember to PIF before due date.

In the garden since 02/1/23. Newest Account AU Discover It 10K
02/23 Scores; EQ 608 TU 642 EX 575 CCU: 20%, Inq. 2, 1, 2 Collections $39K
Lending Club: newest account 2/3/23. Old Fico 1/17 EQ 530 TU 542 EX 512

Message 5 of 12
uswala
Senior Contributor

Re: Macy's CLI approved

Congrats on the CLI!

Message 6 of 12
MissMoni223
Senior Contributor

Re: Macy's CLI approved

CONGRATS!!!

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 7 of 12
Anonymous
Not applicable

Re: Macy's CLI approved

congrats!

Message 8 of 12
ddemari
Super Contributor

Re: Macy's CLI approved

Congrats macys and bloomingdales soft pull and u can usually get them 3-4 months with some lite useage
Message 9 of 12
gdale6
Moderator Emeritus

Re: Macy's CLI approved


@slund5499 wrote:

Called in to request a CLI. Asked for limit to be raised to $2K. Countered with $1K.

A small CLI which I will take since account is only 2 months old. Try again in 4-6 months and will continue to use account and pay balance over 2 statements.


Grats on the Macys CLI Smiley Happy

Message 10 of 12
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