DSNB - Macys CLI ?

[kroberts67]

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@Darksyde25 wrote:
You could really ask whenever. I use their chat option every time I want an increase. I opened them in May with a $600 limit. 2 months later asked for an increase to $1500 and was granted. Asked a month after that for $2250 and got that. Asked last month for an increase and was told no so asked again today and went to $4,000! I think it depends on who you chat with. They look at if ur buying things and making monthly payments. I have a balance but it's only 15% of my limit (before the recent increase). She said she'd have to do a credit review but then said "based on my review of your account" that she could grant me the $4,000. So in 6 months went from $600 to $4,000!

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Wow that's aweome.  So none of the requested CLI's were HP for you?

They were generous with me too.  I asked in the first 4-6 mos but whether it was by phone or chat box, they told me it would be a HP so I declined each time.  At my 6-mo statement I was surpried to find that I had an auto CLI from 800 ->2500 so I was stoked.  Also I was still paying off xmas so was carrying a balance of about 40% UT on that card i'd say.  Next week is my next 6-mos statement so I'm curious and hopeful!

Good luck to you, too!

[credit_challenged09]

After reading the forums and others success with Macy's CLI, I made another attempt at a CLI thru chat.... I used the Christmas shopping line.... the rep said they needed to do a credit review... i told them only if its a soft pull, we go back and forth for a bit and asks how much of an increase, I initially opt for $1K.  I ask again, SP? the person responds, it's an HP and provides me with the number to call on how their credit line increases are done.  I say fine, go ahead, but if it's an HP then $2K.  The rep proceed to ask questions about my income and housing situation...blah blah blah....i just knew i was going to be declined since I had been declined a million times before... the rep says your credit limit has been increased to $2K and your available credit is $1993.  (I have a balance of $7).  My account has been opened a little over 3 months.   I hope like heck it wasn't a hard pull, so far no alerts and no signs of a hard pull..... wish me luck!  crossing my fingers...

Happy Holidays and good luck... Macys' is being pretty generous... 

[lonelyisland]

Just about the same story as above, (with lower amounts) account open three months roughly called for cli, no hard pull, even though they told me it was.

[ccuser]

I have a Macys store card since 2010 with $1000 CL, which is my lowest limit. Today I asked them for a CLI for the first time ever and two different reps told me they can't do anything without a HP. I said "no, thanks"

[FinStar]

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@ccuser wrote:

I have a Macys store card since 2010 with $1000 CL, which is my lowest limit. Today I asked them for a CLI for the first time ever and two different reps told me they can't do anything without a HP. I said "no, thanks"

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Do you know if you've been SP'd recently by DSNB/Macy's on your CRs?  This could determine if you'd be elegible for a CLI via SP.

[IWOL]

Ive had my Macys card since March of 2013. Its started with a limit of $300. After the 4th statment cut I called in for a CLI and they incresed it to $2000...no hard pull. Then in November I called again and they gave me an increase to $3500, again no hard pull. I decided since it was holiday shopping season I would call and see if I could get another increase yersterday.

They increased me again to $5000. The reps always say during the call...."do we have your permission to check your credit" which makes it sound like a hard pull but mine have always been sp.

The sp may correspond to the fact that everytime I requested an icrease there was a recent AR-Macys soft on my report. The last one was done on 10/25 and I beleive that pull was used for my November and my December increase, since I do not see a new soft pull from December.

One note, I have used the card alot. I have made purcahses every month, averaging around $150 to $300, so in the 10 months I have had the card I have run around $2600 through it and always paid the balance in full.

[Creditaddict]

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@ccuser wrote:

I have a Macys store card since 2010 with $1000 CL, which is my lowest limit. Today I asked them for a CLI for the first time ever and two different reps told me they can't do anything without a HP. I said "no, thanks"

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as others have stated they for some reason are being told they must tell us it's a hp but it seems in 98% of the time they use the credit on file they have pulled which is updated monthly anyway... unless you are about to apply for a mortgage and can't afford the hp because I wouldn't worry about it and apply... i almost gaurantee its a sp.

[ccuser]

So I called them again and proceeded with the CLI. Asked for $3000, got $1800. Less than I expected, but still an increase. No hard pull.

[FinStar]

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@ccuser wrote:

So I called them again and proceeded with the CLI. Asked for $3000, got $1800. Less than I expected, but still an increase. No hard pull.

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Nicely done.  A CLI is still a CLI!

[Ron1]

I got denied for CLI last week with HP.

Ron.