About a year ago, I stopped using my Macys store card because of the low CL and when I used it to buy a piece of luggage, I received a SW alert my FICO went down 9 points because I used a 3 month old account. Strange but true but was probably utilization related - $150 piece of luggage versus a CL of $400..
Went shopping at Macys yesterday to use a discount coupon they sent me on some Xmas stuff and spent $116. I called the Credit Card Dept after my purchase from the parking lot to make sure I know when the statement will cut so I don't get another SW alert on a "dormant account" and I learned Macys increased my CL from $400 to $2k last July !
I received an unsolicited Xmas present in July and didn't even realize it!
Merry Xmas Macys!
