Macy's CLI Request is it a hard or soft?

[Anonymous]

Had my account 5 months now only used it once. I have read some threads from back in 2010 where a few people where getting hit with hard just trying to make for sure?

[Anonymous]

Previous to 2/10 all my Macy's CLI requests were granted with a soft pull.

Since 2/10 all my Macy's CLI requests have come with a hard pull.

The last time I called (maybe last month or so) they just looked at the previous pulls (soft or hard) and denied me without a pull - and it had been over 3 months since my last CLI.

Historically, the thinking has been that a CLI would be available after 90 days at the previous CL.  Some folks ran into six months' timing.  I've had mostly good luck with the 3 months' timing.

And some folks get automatic CLI's (I never have - but I've never just let it sit to see what would happen - although that's probably what I'll start doing at this point).

Additionally, some folks have had good luck asking the CSR's if the pull would be hard or soft; and other folks have not received accurate "pull" info from the CSR's.

And some folks have gotten nice CLI's with little usage.  btw - have you called and checked to see what your current CL is?  It may have upped on its' own.

I'm a rebuilder - and my Macy's has gone from $1,000 to $4,100 in 16 months.  Too bad the CL is no longer reported. 

Which reminds me, do you want to risk an inqury on an account that doesn't report CLI?

[Anonymous]

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@Anonymous wrote:

Do you want to risk an inqury on an account that doesn't report CLI?

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No an i'm gonna past an see if i'll get a auto CLI this year but your right it's not worth it.

[kc12286]

I asked for a CLI in store once and it was granted, I don't remember if they said they would do a hard pull. But I don't see any inqs on TU or EQ, so maybe they pulled EX.  They later dropped my CL again. I can say I won't bother asking for a CLI again, because they increase and drop without warning. I believe they only gave me a CL of $100, which is my lowest limit. Considering I don't really shop at Macys it's not a big deal. As others said, since they don't report, it's probably not worth the inq.

[moonman]

Today I  called Macy's customer service to check on my account and got this update from a csr : Effective yesterday Macy's has removed all revolving credit limits on accounts and  purchases made will be approved or declined at their discretion.

[fused]

Hi cam72!

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[Anonymous]

For some reason I have the same issues posting using the new Windows 9 internet explorer. Didn't have that problem before until I undated a month ago. When I'm at home I have to use firefox to post on the board. Not sure if this is a Fico issue or Microsoft.

[haulingthescoreup]

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@Anonymous wrote:

For some reason I have the same issues posting using the new Windows 9 internet explorer. Didn't have that problem before until I undated a month ago. When I'm at home I have to use firefox to post on the board. Not sure if this is a Fico issue or Microsoft.

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There's a thread about this on the Technical issues board.

(sorry to go OT, but I think that mod-moose, the Lithium mod, is looking for examples of this)

[Anonymous]

Got my Macy's in 5/2009 with a $100 CL. In 8/2009 it went to $600 and then 6 or 7 months later it was $2K. Never asked for a GLI, all were auto GLI. Charged and PIF for the first few months, carried a balance through Christmas and begin paying it down in Febuary and then got the 2K CL a few months later. Its been stuck there ever since, or maybe I need to check and see if its higher than that now

UPDATE: after reading further into this post I called Macy's and the CL is NOT stated as it was before. So I retract my last statement. I guess I no longer have a CL