No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hi Concord
I might be 100% incorrect on this however, i think i have read here that the macy store card does not upgrade to a visa. It is a new tradeline on your report. You will have to apply for the card and it will be a hard inq. It is just like applying for another credit card.
I know macy's has levels that will upgrade (depending on how much you spend) their store card but to a visa, it is entirely something different.
Anyone else know of this?
I am sure i have read this a couple of times.
Back in October or November of last year, Macys sent me a pre-approval thing in the mail for their VISA. CSR told me it would be separate from my regular Macys store account - a new account. They offered a 12.5k line.
I declined.
Macys store card is provided by Department Store National Bank.
Macys Visa is provided by HSBC.
They are separate lines of credit and show separately on your CR.
There is no such thing as an upgrade to a Macys Visa card from the store card.
@Itsmeagain wrote:Macys store card is provided by Department Store National Bank.
Macys Visa is provided by HSBC.
They are separate lines of credit and show separately on your CR.
There is no such thing as an upgrade to a Macys Visa card from the store card.
Macy's visa is part of Citi I believe, not HSBC
@Itsmeagain wrote:Macys store card is provided by Department Store National Bank.
Macys Visa is provided by HSBC.
They are separate lines of credit and show separately on your CR.
There is no such thing as an upgrade to a Macys Visa card from the store card.
if so *shivers* but i thought it was Citi.
score_building wrote:
@Itsmeagain wrote:Macys store card is provided by Department Store National Bank.
Macys Visa is provided by HSBC.
They are separate lines of credit and show separately on your CR.
There is no such thing as an upgrade to a Macys Visa card from the store card.
if so *shivers* but i thought it was Citi.
Info on Macy's website makes no mention of HSBC but does mention Citigroup.
DSNB (Department Stores National Bank), which issues Macy's Visa, is a subsidiary of Citigroup.
In November, I app'd while shopping at my local Macy's to get a 15% discount on my purchases. I was approved & received a store card a few weeks later. Then a Macy's Visa card with a $10K limit showed up in my mail in mid-January. I did not apply separately for this card, although it's possible that my November app covered both cards.