Macy's luv button - is it a SP or HP?

[Anonymous]

I'm looking to hit the luv button on my Macy's store card.  I noticed on the account page that it says they may need to access my credit reports in order to analyze an increase request.  I don't really want to take the hit on my reports.  Does anyone know for sure if this is a hard pull or a soft pull?  

[-Cain-]

Before you hit the luv button, call in and ask if any CLIs are available to you. They may have one in the system just waiting for your call. If they say no, then it's up to you if you want them to pull your credit. I did it this way and picked up an extra $1200. Always ask Macy's first.

[Anonymous]

Its usually a SP.

[Creditaddict]

I'm always told credit will be pulled and the system always uses the credit on file.

Request HIGH as they will instantly counter.

you can do chat or call.

[Anonymous]

Great, thanks for the advice!  

[NichelleN]

You might already be aware but Macy's still has special accounts for large purchases. There is a Major Purchase / Furniture line. There is also a Club line for jewelry, china, etc. If you are making a purchase for a large dollar amount ($400 in furniture, etc or $200 in jewelry) either of these could work. And they offer 12 months, no interest. Though my store card (open less than a month) only has a SL of $600, my other lines total $6,500.

All of the lines will be combined into one TL in the near future.

[Anonymous]

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@NichelleN wrote:

You might already be aware but Macy's still has special accounts for large purchases. There is a Major Purchase / Furniture line. There is also a Club line for jewelry, china, etc. If you are making a purchase for a large dollar amount ($400 in furniture, etc or $200 in jewelry) either of these could work. And they offer 12 months, no interest. Though my store card (open less than a month) only has a SL of $600, my other lines total $6,500.

All of the lines will be combined into one TL in the near future.

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I've been reading about those on the boards.  I'm considering calling them about the Major Purchase plan.  

[NichelleN]

It's worth a shot. I wish I'd asked for a greater amount when I called to open the Major Purchase one. I asked for $5K and got $5K. I will say that the general understanding is that the lines need to be active with a balance for them to be combined in the future.

[taxi818]

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@Anonymous wrote:

I'm looking to hit the luv button on my Macy's store card.  I noticed on the account page that it says they may need to access my credit reports in order to analyze an increase request.  I don't really want to take the hit on my reports.  Does anyone know for sure if this is a hard pull or a soft pull?  

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99.1 % sp. regardless of what it says on the page.