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Macys Approved!!

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orozcobusiness
Valued Member

Macys Approved!!

I was approved for Macys store card yesterday wit $600SL. When can  I request a CLI and at some point can I covert to AMEX card?

Message 1 of 8
7 REPLIES 7
AverageJoesCredit
Legendary Contributor

Re: Macys Approved!!

Congrats! I think because account is so new not sure if theyll grant a cli even with a hp, which it most certainly will be. From my understanding, you cannot convert store card to Amex version, that must be applied for in store. Given some time, Macys can grow well. I started off with a $300 limit and am now at $5k. ( combination of hps and sps, last 2 were sp as perhaps my spend and pif history helped? )
Message 2 of 8
dragonfly66
Frequent Contributor

Re: Macys Approved!!

I second what AverageJoe said.  I have both a store card and their Amex card.  The store card grew from $2,500 to $4,300 in one shot, but that was after some usage.  I applied for the Macy's Amex in the store when I was purchasing something and got a $2,000 CL.  I tried to call and recon to a higher amount and was told they would need to see some usage before they could grant me a CLI.  I plan on trying in another couple of months to see what they say.  

 

Congratulations on your approval!

Current - FICO 3/2019: EX(753); EQ(763); TU(749)
Beginning - FICO 7/2014: EX(630); EQ(608); TU(581)
Credit: Wells Fargo Home Projects Charge Card ($7,800); Wells Fargo Home Rebate Visa ($4,000); Capital One Quicksilver ($10,000); Capital One Venture ($6,000); Discover it ($7,900); Macy's ($20,000); BrandsMart ($4,000); Banana Republic ($1,200); Lowes ($12,000); Amex Everyday ($30,000); Macy's Amex ($15,000); Amex Platinum (NPSL); Citi Diamond Preferred ($9,000); Chase Freedom ($9,000); Wells Fargo Outdoor Solutions ($10,000); SunTrust HELOC ($25,000)
Message 3 of 8
MrsCHX
Valued Contributor

Re: Macys Approved!!

Congrats OP!!

I have a $600 SL too, got my card in October. Just asked for cli and was denied. No HP. When I checked last month the option wasn't even there. So I would say give it a few months at least.

I've done a lot of research on the card and it *seems* like its possible to get a cli without hp if they've recently sp you. So you could be on the lookout. It also seems as if they do actually give auto CLI and $600 to $1000 is a common step.
NFCU: $25,000; PenFed Power Cash Rewards: $3,500; PenFed Gold: $2,500; Capital One: $2,300; Nordstrom Visa: $2,000; Credit One: $1,250
Amazon: 800; Kohls: $1,500
Message 4 of 8
creditguy
Valued Contributor

Re: Macys Approved!!

Congrats on your approval, I'd personally wait 6 months on a CLI after some usage. No you can no longer convert a store card to an Amex, it's a separate in store application. Also In the future, please try not to double post, it can confuse posters and prevent you from getting answers. 

Message 5 of 8
Anonymous
Not applicable

Re: Macys Approved!!


@orozcobusiness wrote:

I was approved for Macys store card yesterday wit $600SL. When can  I request a CLI and at some point can I covert to AMEX card?


Congrats on the approval.  Was the approval in store or online?  I got my card 2 years ago; when I called in the activate the card, I was given a small CLI upon activation.  Not sure if they still do that now.  Since the change over, most times the increase is a HP.  I believe that you have to reapply in the store for the Amex version, but I'm if that infomation is not accurate others will chime in.  I started with a $300 limit, but my card is stuck at $8.9k as I'm twilling to get another HP for an increase.

Message 6 of 8
securingourfuture
Established Contributor

Re: Macys Approved!!

Congratulations!  And +1,000 on the comments saying it will grow.  I, too, started at $600 CL in store back in 4/2015.  My current CL is $18K.  The CLIs to $16.5 from $15K, and $18K from 16.5K were both SP.

 

If you want to *try* to backdoor a CLI, call in and say you want to purchase furniture - at least that used to work when the furniture line was separate from the revolving store line.  They have a huge sale going on right now, and they're offering 24-month financing @ 0%.

8/22/18: BK7 filed EXP 490 TU 430 EQ 429
11/28/18: BK7 discharged EXP 586 TU 578 EQ 527
06/08/21: EXP 656 TU 643 EQ 701
Message 7 of 8
fltireguy
Valued Contributor

Re: Macys Approved!!

Congrats!! I was unable to get a CLI.. closed the card @10 months of age because I could not get it to grow..

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
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