Macy's American Express limit increase not a hard inquiry.

[navigatethis12]

Yesterday I wanted to see if I could get an increase on the American Express side of the Macy's card I have. I tried through online chat and the woman said her system was producing an error and gave me a number to ring ( 800-627-2909) to get it done. I spoke with a woman and asked for 15,000 from 10,000 and less than one second after she hit submit the system came back with 14,000. She said she could get her supervisor if I really wanted 15, but they would probably want a hard inquiry. I said no since I don't need the increase.

I checked today and no inquiries on all three, so they may have used the report that they pulled on April 26 from Equifax. Just a data point for anyone who may be contemplating doing an increase with Macy's.

[LS2982]

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@navigatethis12 wrote:

Yesterday I wanted to see if I could get an increase on the American Express side of the Macy's card I have. I tried through online chat and the woman said her system was producing an error and gave me a number to ring ( 800-627-2909) to get it done. I spoke with a woman and asked for 15,000 from 10,000 and less than one second after she hit submit the system came back with 14,000. She said she could get her supervisor if I really wanted 15, but they would probably want a hard inquiry. I said no since I don't need the increase.

I checked today and no inquiries on all three, so they may have used the report that they pulled on April 26 from Equifax. Just a data point for anyone who may be contemplating doing an increase with Macy's.

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CONGRATS on your increase!!!

[09Lexie]

Hmmm, interesting they sp'd me two weeks ago.

By the way... Congrats!

[CreditHammer]

Congrats!!! And a soft pull!! Go you

[myjourney]

Congrats on the CLI

[navigatethis12]

Thank you, all.

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@09Lexie wrote:
Hmmm, interesting they sp'd me two weeks ago.

By the way... Congrats!

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They seem to soft once every to or three months and it's always Equifax. The softs are done the same time Citi does theirs, so I wonder if their systems are connected.

[colindidit]

Still waiting for mine to come... Congrats

[navigatethis12]

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@colindidit wrote:
Still waiting for mine to come... Congrats

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Thank you. Hopefully you get yours soon.

[FinStar]

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@navigatethis12 wrote:

Yesterday I wanted to see if I could get an increase on the American Express side of the Macy's card I have. I tried through online chat and the woman said her system was producing an error and gave me a number to ring ( 800-627-2909) to get it done. I spoke with a woman and asked for 15,000 from 10,000 and less than one second after she hit submit the system came back with 14,000. She said she could get her supervisor if I really wanted 15, but they would probably want a hard inquiry. I said no since I don't need the increase.

I checked today and no inquiries on all three, so they may have used the report that they pulled on April 26 from Equifax. Just a data point for anyone who may be contemplating doing an increase with Macy's.

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Very nice bump indeed!  Mine have always been auto-CLIs but have noticed they SP before the CLIs eventually take effect.  The same SP timeframe is done for all 4 of my accounts (Macy's Pref AMEX & Store and Bloomingdale's Reserve AMEX & Store).  There's no specific pattern that I can discern as to when DSNB does the SPs since I see them every other month or so.  So, it appears if you request a CLI, and have been softed, then you will not incur the HP.

[navigatethis12]

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@FinStar wrote:

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Very nice bump indeed!  Mine have always been auto-CLIs but have noticed they SP before the CLIs eventually take effect.  The same SP timeframe is done for all 4 of my accounts (Macy's Pref AMEX & Store and Bloomingdale's Reserve AMEX & Store).  There's no specific pattern that I can discern as to when DSNB does the SPs since I see them every other month or so.  So, it appears if you request a CLI, and have been softed, then you will not incur the HP.

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That does appear to be the case. Last time I did it through the lnk on the website and got a hard on Experian but it was worth it for a 5000 increase.I only received an automated increase way back when I first got the store card. After a few months of use I was elated to see the limit was increased to 1,000 from 300. Since then I have not gotten any automated increases at all. I really don't want to have more on the store side. I don't want it to take away from what they will grant me on the American Express side.