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Macy’s Prequal Tool

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MyDataMyChoice
Valued Contributor

Macy’s Prequal Tool

I showed prequalified for Macys store and Amex card

 

Store $1000

and Amex $1500

doesnt make sense but whatever

 

i applied for the Amex took the hard pull.  Pulled equifax. 
got code 25. Needed ID verification.  Called got the security department.     Sent a text message to my phone 

 

and approved for the $1500 Amex 

 

I asked on the same call if they could raise that limit due to a furniture purchase.  And waited for account specialist to process the request. No additional pull

 

asked me how much I said 10k. 
APPROVED.   I should have asked for more.

 

 

macys was IIB 


All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

                       
Lines of Credit:   
Personal Loan:  

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

Message 1 of 16
15 REPLIES 15
cashorcharge
Community Leader
Super Contributor

Re: Macy’s Prequal Tool

Congratulations on your approval and instant CLI!!! 🍾🎉🥂

Message 2 of 16
Snook_on_the_Line
Established Contributor

Re: Macy’s Prequal Tool

Way to go on getting the limit bumped up

NFCU Flagship $29k
Lowe's Rewards $35k
Chase Prime VS $17.5k
Citi Custom Cash $16.4k
Citi AA Platinum $16.3k
Citi AA Platinum $8k
USBank Smartly $10k
Prime Store Card $7.5k
Cap1 Savor $2.5k
Priceline Visa $1k
BofA Customized Cash $2.5k
Ficos in the mid 700s
8% uti (0% BTs)

US Bank Business Triple Cash $3k
Message 3 of 16
firefox100
Senior Contributor

Re: Macy’s Prequal Tool

Congratulations on your instant approval and credit increase to 10K at macy's, enjoy all that shopping.

Message 4 of 16
cynicaldragon83
Contributor

Re: Macy’s Prequal Tool

Did this for fun and was offered the store card with an $800 limit. Probably gonna wait though since a Macy's card was included in my BK and I know Citi is a hard one to crack less than two years out.

Message 5 of 16
911gt34life
Established Contributor

Re: Macy’s Prequal Tool

Congrats 

>
Message 6 of 16
Meanmchine
Super Contributor

Re: Macy’s Prequal Tool

Congrats on your new Macys card

Were you instore when you prequalified?

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 7 of 16
MyDataMyChoice
Valued Contributor

Re: Macy’s Prequal Tool

No did it online 


All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

                       
Lines of Credit:   
Personal Loan:  

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

Message 8 of 16
NoMoreDebt
Senior Contributor

Re: Macy’s Prequal Tool

Congrats

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ 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 16
Waldemar
Regular Contributor

Re: Macy’s Prequal Tool

That's awesome, congrats @MyDataMyChoice ! Great to see Macy's offering a pre-qualification tool now. I tried it as well and got similar results: a $1,000 store card and $1,500 for the Amex version. I'll hold off for now, though. Macy's wasn't part of my Chapter 7 bankruptcy in 2021, so it's nice to see Citi approving with a bankruptcy on file. I also tried with Home Depot, and after months of only getting a $500 pre-approval, I was recently pre-approved for $5,000, but I didn’t take it—just testing the waters for now.

Credit Cards

Amazon Prime Store Card: $10,000 | Apple Card MC: $5,500 | Best Buy Visa: $3,000 | BCU Cash Rewards Visa Sig: $40,000 | BCU Travel Rewards Visa Sig: $15,000 | Bread Cashback AmEx: $18,500 | Bread Rewards AmEx: $11,650 | Capital One Kohls Visa Sig: $4,750 | Capital One SavorOne WEMC: $27,500 | Express Credit Card: $4,050 | Famous Footwear Credit Card: $1,650 | FNBO Platinum Visa: $950 | Helzberg Diamonds Card: $6,000 | IKEA Projekt Credit Card: $6,600 | Macy’s Amex $9,000 | PayPal Cashback WMC: $20,000 | Sam’s Club Plus WEMC: $20,000 | Suncoast CU Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $10,000 | Toyota Rewards Visa Sig: $9,000 | Truist Enjoy Cash Visa Sig: $10,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500 | US Bank Smartly Visa Sig: $10,000 | WF One Key+ WEMC: $9,000

BCU Unsecured LOC 5k

BCU Auto Loan $16,559.00

Rebuilding since June 2021.
Message 10 of 16
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