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Mayc's Amex Card

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Community Leader
Super Contributor

Re: Mayc's Amex Card


@K-in-Boston wrote:

<jaw drops>  Wow!  I was approved for $1,000 last month and felt a bit annoyed until I began reading older approval threads for the card and realized that it was par for the course.  Burned another HP to get it to $5,000 earlier this week.

 

Congrats on the monster approval!


Oh no, @KinBoston, a HP! Smiley Embarassed. Did you request the CLI online? I've called and asked for all my CLIs and stated beforehand I don't want it if it's going to be a HP. I started at $1.6K and have never had a HP for any of my CLIs on Macy's CC.  


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 11 of 18
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Moderator

Re: Mayc's Amex Card


@CreditInspired wrote:

@K-in-Boston wrote:

<jaw drops>  Wow!  I was approved for $1,000 last month and felt a bit annoyed until I began reading older approval threads for the card and realized that it was par for the course.  Burned another HP to get it to $5,000 earlier this week.

 

Congrats on the monster approval!


Oh no, @KinBoston, a HP! Smiley Embarassed. Did you request the CLI online? I've called and asked for all my CLIs and stated beforehand I don't want it if it's going to be a HP. I started at $1.6K and have never had a HP for any of my CLIs on Macy's CC.  


@CreditInspired the first two times I asked for a CLI it was an instant 7-10 day message as soon as I clicked and a "time since most recent review" was waiting for me the next day.  I was reading someone else's thread a few days back and someone said that 31 days was the magic number, and that was exactly 31 days after opening the account.  I clicked the CLI link on the website and it said I needed to call in order for them to process the request, so I did.

 

I'm not really worried about HPs and agreed to a credit pull after answering how much I wanted (said I be okay with $15k).  Came back declined with the CSR (due to account age), but they were nice enough to put me on with a Bloomingdale's supervisor in lending and she was able to give me a 5x CLI and said that's all she was "allowed" to do since the account was so new.  It's fine; I can live with $5k until I ask for more later on, but it was basically impossible to make potentially thousands of dollars of purchases with that original $1k line.

Message 12 of 18
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Community Leader
Super Contributor

Re: Mayc's Amex Card

@K-in-Boston ...let's keep it real. There was no way you were putting thousands on a Macy's card when Delta shopping was offering 6pts/$1.







Message 13 of 18
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Moderator

Re: Mayc's Amex Card

@Brian_Earl_Spilner of course not. I spent like $600 in the past 2 days on the Macy’s card after clicking through Rakuten (eBates) portal for 10 Membership Rewards points per dollar. 🤓 (Going for Macy’s Platinum status for the 5% back.)

Message 14 of 18
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Community Leader
Super Contributor

Re: Mayc's Amex Card

Ok, now that makes sense.







Message 15 of 18
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Community Leader
Super Contributor

Re: Mayc's Amex Card


@K-in-Boston wrote:

@CreditInspired wrote:

@K-in-Boston wrote:

<jaw drops>  Wow!  I was approved for $1,000 last month and felt a bit annoyed until I began reading older approval threads for the card and realized that it was par for the course.  Burned another HP to get it to $5,000 earlier this week.

 

Congrats on the monster approval!


Oh no, @KinBoston, a HP! Smiley Embarassed. Did you request the CLI online? I've called and asked for all my CLIs and stated beforehand I don't want it if it's going to be a HP. I started at $1.6K and have never had a HP for any of my CLIs on Macy's CC.  


@CreditInspired the first two times I asked for a CLI it was an instant 7-10 day message as soon as I clicked and a "time since most recent review" was waiting for me the next day.  I was reading someone else's thread a few days back and someone said that 31 days was the magic number, and that was exactly 31 days after opening the account.  I clicked the CLI link on the website and it said I needed to call in order for them to process the request, so I did.

 

I'm not really worried about HPs and agreed to a credit pull after answering how much I wanted (said I be okay with $15k).  Came back declined with the CSR (due to account age), but they were nice enough to put me on with a Bloomingdale's supervisor in lending and she was able to give me a 5x CLI and said that's all she was "allowed" to do since the account was so new.  It's fine; I can live with $5k until I ask for more later on, but it was basically impossible to make potentially thousands of dollars of purchases with that original $1k line.


You got that right! Their mattresses alone would have had you at 125% UT. Smiley Very HappySmiley Very Happy


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 16 of 18
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Community Leader
Super Contributor

Re: Mayc's Amex Card


@Brian_Earl_Spilner wrote:

@K-in-Boston ...let's keep it real. There was no way you were putting thousands on a Macy's card when Delta shopping was offering 6pts/$1.


Smiley Very HappySmiley Very HappySmiley Very Happy


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 17 of 18
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Regular Contributor

Re: Mayc's Amex Card

I know this is a co-branded card with Citi....Did you have a relationship with Citi or Amex prior to approval? Also congrats!!! Smiley Very Happy


All scores and DP's are Fico 8 not Vantage 3.0 and updated as of 10/2020
$62,000 income
Utilization 18%
AAoA 2 years 2 month
AoOA 3.3 years
Total Revolving Credit $10,800
Student Loans Total: $7194
Inq. TransUnion 4, Equifax 0, Experian 6
Newest accounts: Discover It Cashback (July 2020) & Ulta Mastercard (Opened & Closed by grantor in August)
No late payments
Negative Items on credit report that are currently in collections.
Equifax & Experian Medical Bill $879 (Falls off in November 2021)
Past bank relationships Citi Bank ($600 Charge off Bestbuy card they acquired from Cap 1 that fell off my report on 3/20)

Current Relationships/Cards
Synchrony 2.5 yrs


Discover 3 Months


Capital One 3.2 yrs


TD Bank 2.5 yrs.


Comenity 2.8 yrs
Message 18 of 18
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