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Macy's Amex Upgrade

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chiefone4u
Established Contributor

Macy's Amex Upgrade

I opened my Macy's card online as a store card in July 2020 ($500 limit). Between opening and January 2022 I received multiple CLI's tp $10300 limit.

 

During the first week of March 2022, I had been reading through the forum and noticed all the upgrades; so I went looking to see if I had an offer. I didn't sadly... so I did some research, and decided my scores appeared to be good enough to hold two Macy's cards and attempted to apply for the Amex version of the card.

I received a 7-10 message when I hit submit, and two days later I recieved an email stating my application had been denied for too many inquiries.

 

To my surprise, this afternoon... I received an email with an upgrade offer!! I clicked the link, it took me to Macy's where it asked me to sign in... as soon as I signed in there was a banner at the bottom of the page telling me I was eligible for the upgrade.

 

I went ahead and accepted the offer... 25.24% APR which happens to be the same as the store card is/was.

 

Maybe I was actually rejected the Amex version because I was already in the works for this upgrade (no alerts so far of a HP --- previous reports I've read say it's done with a SP).

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 1 of 7
6 REPLIES 6
pizzadude
Credit Mentor

Re: Macy's Amex Upgrade

Congrats on the Macy's AMEX Upgrade !   Moving this one to the CC approvals board Smiley Happy

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 7
coreyb80
Super Contributor

Re: Macy's Amex Upgrade

Congrats on the upgrade!

Message 3 of 7
babygirl1256
Senior Contributor

Re: Macy's Amex Upgrade

Congrats on your Macy's Amex Upgrade . . . I guess it is "targeted" . . . still looking for my upgrade!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 4 of 7
chiefone4u
Established Contributor

Re: Macy's Amex Upgrade


@babygirl1256 wrote:

Congrats on your Macy's Amex Upgrade . . . I guess it is "targeted" . . . still looking for my upgrade!!!


Thank you! 

 

Hopefully your invite is just around the corner! 

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 5 of 7
CYBERSAM
Senior Contributor

Re: Macy's Amex Upgrade

Congrats on your Macy's AMEX upgrade!🥂🤑👍

 

 







                
Message 6 of 7
CreditMagic7
Mega Contributor

Re: Macy's Amex Upgrade

Apparently the effort reaped the outcome that you wanted or the timing was right.

 

Either way Congratulations!!

Message 7 of 7
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