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Macy's credit limit increase - Update: Approved

kxkxkxx
Regular Contributor

Macy's credit limit increase - Update: Approved

I am wanting to ask for a credit increase online for my Macy's card, but if I do, will that trigger a "hard pull"? I dont want another inquiry.

 

thanks all!

 

Mod note:  I've updated your subject to reflect your approval; feel free to change/edit if you would like.  --UB

Current FICO 8 Scores
EQ 759
TU 748
EX 744
24 REPLIES 24
kxkxkxx
Regular Contributor

Re: Macy's credit limit increase - hard pull?

Out of impatience I went ahead and did it.....no hard pull (this time)...modest increase...but it's something.....I am sure if I wanted to increase is a whole lot more they would do a hard pull.

Current FICO 8 Scores
EQ 759
TU 748
EX 744
Message 2 of 25
AverageJoesCredit
Mega Contributor

Re: Macy's credit limit increase - hard pull?

Give more info please. Whats your current limit? How much did you ask for? Receive? These are good data points. My experience has been sp recently but always chance of hp .
Message 3 of 25
xaximus
Valued Contributor

Re: Macy's credit limit increase - hard pull?

I think Macy's usually does SP but they have been known to do HPs.


Scores - All bureaus 756 +
TCL - Est. $275K
Message 4 of 25
kxkxkxx
Regular Contributor

Re: Macy's credit limit increase - hard pull?

My original was $1,000 they increased to $2,500 no hard pull
Current FICO 8 Scores
EQ 759
TU 748
EX 744
Message 5 of 25
AverageJoesCredit
Mega Contributor

Re: Macy's credit limit increase - hard pull?

Trick i find with Macys is use it a little and then pif. As this pattern continues when you request make sure you ask for a little more than you need , they will counter if they cant give you what you want. Your scores are good enough to get you more. Macys is my highest limit.
Message 6 of 25
kxkxkxx
Regular Contributor

Re: Macy's credit limit increase - hard pull?

Thanks...I had asked for 5k..but that was what I got...I can live with that for now...I will check again in 6mos or so.
Current FICO 8 Scores
EQ 759
TU 748
EX 744
Message 7 of 25
SweetCreditObsession
Valued Contributor

Re: Macy's credit limit increase - hard pull?

Congratulations!


(+76) | (+92) | (+124) | TU Fico 9: 704 | Exp Fico 9: 737

Goal: Min. 740 w/all CRAs - Met
Next Goal: Amex BCE
Subsequent Goal(s): Min. 780 w/all CRAs
Gardening Until: ??/??/202?| Last App: 7/21/2021
Message 8 of 25
AverageJoesCredit
Mega Contributor

Re: Macy's credit limit increase - hard pull?

Actually try again in 30 or 31 days. A recent poster , i believe Mr-Endowed noticed this trend. Its how i went from 15k to 20k than a month later tried again asked for 25k and shockingly instant approved. If you get the call in just try again in another 30 days. Good luckSmiley Happy
Message 9 of 25
kxkxkxx
Regular Contributor

Re: Macy's credit limit increase - hard pull?

hahaha Mr-Endowed??? Oooook.....Not in a big hurry, but I will try again in a few months.

Current FICO 8 Scores
EQ 759
TU 748
EX 744
Message 10 of 25
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