MINIMUM SCORES REQUIRED FOR MACY'S CARD

Anonymous · ‎02-09-2015

The Sales associates push customers to apply for Macy's credit card. I was declined. What is the minimum score required to be approved?

chalupaman · ‎02-09-2015

Why don't you check Credit Pulls Database and go from there? You can compare your FICOs and other stats to others who have gotten approved.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

taxi818 · ‎02-09-2015

I'm not sure. But they pulled experian. I've had card a year bat the time I was around 640-650 range. They gave me baby limit. 300. Still only 1k now as I don't use it. But I will keep it for the discounts. My experian over 700. But Im still fond if Macy's. So I would guess640 to be safe.

Anonymous · ‎02-09-2015

@chalupaman wrote:
Why don't you check Credit Pulls Database and go from there? You can compare your FICOs and other stats to others who have gotten approved.

+1. We can't guess the score as everyones profile is different.

Anonymous · ‎02-09-2015

I actually got a card from them with scores in the high 500's. It was only 300 but hey I had to take it as I am rebuilding.

SunriseEarth · ‎02-09-2015

@Anonymous wrote:
The Sales associates push customers to apply for Macy's credit card. I was declined. What is the minimum score required to be approved?

It seems like the low scores are ~600, but it does vary with credit profile. I was denied with a 680, because they were IIB. However, I was able to recon for approval (they wanted my BK to be 4 years out or more). if you really want the card, you might want to call the Macy's number in the "Backdoor Numbers" sticky thread.

Have you ever had any issues with Macy's or Bloomingdale's (BK, CO, etc.)?

App_Addict · ‎02-09-2015

I was in the 620 range when I got approved for $600.00 a good rule of thumb is 600+ but there are always other factors that come into play. Good luck in your credit journey!

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

emanuelr1b · ‎08-22-2015

How did you credit scores jump so high so fast?

Anonymous · ‎08-22-2015

@Anonymous wrote:
The Sales associates push customers to apply for Macy's credit card. I was declined. What is the minimum score required to be approved?

I app'd online and they pulled Experian -- 621. I only had one other card - discvoer $250 - and was approved for $300, called to verify, and was told actual limit of 600.