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I have 710+ scores on all 3 Util is 2 percent and 1 inq in the past 12 months 9 inq in the past 24 months and i applyed for a macys card and was rejected they wont tell me over the phone i had a macys card that charged off 12 years ago and the bal was like 200 I cant see why they would reject me othere than being black listed
Thanks
Thanks but if i pay it wont the put the charged off account back on my cr i mean its past its sol but if i pay it wouldent it reset the 7 years
Thanks
@Anonymous wrote:Thanks but if i pay it wont the put the charged off account back on my cr i mean its past its sol but if i pay it wouldent it reset the 7 years
Thanks
No!
@Anonymous wrote:I have 710+ scores on all 3 Util is 2 percent and 1 inq in the past 12 months 9 inq in the past 24 months and i applyed for a macys card and was rejected they wont tell me over the phone i had a macys card that charged off 12 years ago and the bal was like 200 I cant see why they would reject me othere than being black listed
Thanks
Hello,
I filed Ch. 7 in BK in 2/01--discharged 6/01. Macys was IIB. Yesterday on a whim I app'd for Macys card online. Didn't give an approval or a denial. Called backdoor # today. CSR rep asked if I had ever had a card. I said yes many years ago. She then asked if I had filed BK, I said yes. She paused, then said if you can hold for a minute, I can get this approved for you. She came back to the phone with an approval w/ a $300 CL. Not much, but I didn't think I could get anything!!
Also, app'd for Hooters MC the other day. Got same message as macys: thanks for your app. it is processing. Called backdoor #, was approved for $1100CL!! CSR didn't know APR or if there was an annual fee. I guess I'll find out in a couple of weeks.
There is hope for me yet!!!! Util should improve score. AA will suffer a bit, though, but I think that will be short term.
Thanks for all the help myfico-ers!! It's really helped!!!!
Jelly
Congrats on the dual approvals!
Nice Macys approval and not a common thing with a BK'ed card. Probably floated because the BK was so old. The honesty probably didn't hurt either. BTW $300 from Macys is a good initial CL. If you take care of that Macys card it will take care of you!
What is macys backdoor number thanks.
Call the number on this page and find out why you were denied credit:
https://www.macys.com/service/credit/applynow/applybyphone.ognc