Building credit from scratch

[Anonymous]

Anytime!  I LOVE my Macy's card, it really does grow with you.  They do tend to give out low credit limits intially, but once you establish a good payment history with them, they will reward you    They just ugraded my card to their Platimum card!

[BungalowMo]

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@Anonymous wrote:
Anytime!  I LOVE my Macy's card, it really does grow with you.  They do tend to give out low credit limits intially, but once you establish a good payment history with them, they will reward you    They just ugraded my card to their Platimum card!

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What bank backs the Macy's card?

[haulingthescoreup]

Macy's (and Bloomingdales) are issued by DSNB, which I'm pretty sure stands for Department Store National Bank, which is serviced by Citi.

So think of it as a Citi card, but administered on a daily basis by a different group.

[marty56]

My Sams card got me through some tough times.  Started at $300 and now is $4100.  Lots of uses including a quick $60 cash which counts as a purchase only.

[Anonymous]

Wow, thats great. How long have you had the card and what were your scores when you obtained it. I would like to have a Sam's Club for myself

[Anonymous]

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@MarineVietVet wrote:

Well, sister, you are in like company, as we have all done the same.  Each and every one of us has had our issues and had to rebuild, that is why we are here! 

Yep

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+1