Macy's CLI Question...

[reneasworld]

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@Creditaddict wrote:

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@reneasworld wrote:

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@randeman wrote:

I was told at the jewelry counter for the jewelry line you had to make a minimum purchase of $500 and they will give you 0% for 12 months.  Or maybe it was 24.  Anyway, if someone else got a line without purchasing, YMMV.

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So, is the jewelry line a SP or HP? I would love to get my mom some nice jewelry for her birthday.

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SP

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Thanks!

[pip3man]

Just as an FYI the jewelry line is reporting as a personal/installment loan on TU & EQ at least for me...

[randeman]

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@pip3man wrote:

Just as an FYI the jewelry line is reporting as a personal/installment loan on TU & EQ at least for me...

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Is that a separate payment as well?

[Creditaddict]

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@randeman wrote:

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@pip3man wrote:

Just as an FYI the jewelry line is reporting as a personal/installment loan on TU & EQ at least for me...

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Is that a separate payment as well?

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it will come as part of your store account but will be an additional line of minimum payment I believe if still done like furniture use to be.

[reneasworld]

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@pip3man wrote:

Just as an FYI the jewelry line is reporting as a personal/installment loan on TU & EQ at least for me...

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Thanks! That would be great for me since I do not have any installment or personal loans listed. I think that would help with the diversity of my credit portfolio, if I am correct?

[Anonymous]

My Macy's card had a credit line of $100 opened Jan 2015.

Last Night I called for a CLI. Nice lady asked me how much I was looking for, I stated 1,500 would be PERFECT as I am getting ready to start some of my Holiday shopping this weekend.

She asked me if I was looking for 1,400 + the existing 100, or 1500 + 100. I stated 1,400 + 100 would be PERFECT. She asked to verify my income as well as rent/own, then very quickly came back with an APPROVAL for 1.5k.

Credit Karma shows as SP!!!!

I'm in the 670's, Goal is 700+ by EOY.

Utilization is less than 4%

Bloom: 3k; Care Credit 3.6k; C&B 2,250; Finger 1.5k; Gettington 1,950; HC 6k; HSN 1,750; Macy 1.5k; Wards 700; NM 3.7k; Nord 2.5k; Target 1.3k; TJ Maxx 700

CapOne 500; CapOne Spark 1k

July 2015 FICOs: TU: 651; EX: 639; EQ: 673