All the above and more... Macy's started my limit at $300, about a year later I called and requested a $700 increase. The CSR told me that was not high enough, when they tried to fill the reqest. I got a $1200 increase, recently I made a charge and when I got my statement they increased it another $200.
Now I remember reading or hearing some line when it comes to Macy's card, that the limit is not really a limit, but... sorry this is where my memory fades. I would believe that it is more like the Visa Signature card I have read about in posts. There is no limit, but another amount charged over the limit must be repaid on the first statement.
Just my theory and an effort to help you or someone else have a little food for thought 
interesting info. I've had my card since '07 with $200CL, their bank took AA in '09 and CLD to $100. Since then whenever I shop in stores and happen to be spending more than $100, it won't go thru unless I make payments with my debit card every time I max out the card. 
@2NE1 wrote:
interesting info. I've had my card since '07 with $200CL, their bank took AA in '09 and CLD to $100. Since then whenever I shop in stores and happen to be spending more than $100, it won't go thru unless I make payments with my debit card every time I max out the card.
You can always call customer service and ask them for a CLI. Also, if it is slow in the store and you want to make a purchase over the $100, you can have the sales person call them. Sometimes if you are at the POS, they will put the sale through when they get the call. The sales person can also make the request to increase your guideline for you. My co-workers and I commonly did this when I worked at Bloomingdales. Most Federated employees (Bloomingdales/Macys) get a commission from each sale, so they have an interest in that sale going through and you being satisified.
It's been several years since I worked there, but the rule used to be that you could request an increase in you credit guideline (CL) every six months. When they ask the amount you are looking for, just ask them what amount the internal guideline system says you can be approved for. They usually have an internal amount they can approve you for that won't require a HP. I think it's based on your payment history and spending within the store. I think I started out with an initial limit of $1,700 and am now at $7,900. I never got turned down for the increase and never had a HP.
Is Macy's card reporting limits again?
LIMITS IN CARD DESCRIPTIONS
@Crashem wrote:
Is Macy's card reporting limits again?
Reporting to CBs...no, but it does show you your limit on statements.
@2NE1 wrote:
interesting info. I've had my card since '07 with $200CL, their bank took AA in '09 and CLD to $100. Since then whenever I shop in stores and happen to be spending more than $100, it won't go thru unless I make payments with my debit card every time I max out the card.
This is what would happen previously if I ever tried charging anything above $100 - it would just get flat out denied. I'll be interested to see what happens on my next statement...
