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Macy's store card question

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Anonymous
Not applicable

Macy's store card question

I ended up with a store card AND the Macy's Amex card.  Am I supposed to shred the store card and just use the Amex?  I'm confused!  I went on CHAT with them and still didn't get an answer. 

 

Edit:  I just added the Amex last night because I just never got around to adding it.  Different CHAT rep says to shred the store card and that the Amex is linked to both the store card and outside of Macy's.  Sure hope she's right!  Why send both then?!!??  That's one confusing online account site!

Message 1 of 9
8 REPLIES 8
orestrus
Frequent Contributor

Re: Macy's store card question

Activate both cards and use it. Whats ur score? Did you apply in store?
BofA 5k, Cap 1 Journey 300, Cap 1 QS1 300, Walmart 6k,
Amex BCE 2000, Amex PRG, Amex Delta Gold 2k, Macy's 5k, Bloomies 6k, Amazon 6k, JCP 5k Macy's Amex 1.5k,
Message 2 of 9
Anomalous
Senior Contributor

Re: Macy's store card question

Keep it! They are two separate lines of credit from what I understand.

Keep both your credit and your body in top shape!

Message 3 of 9
chalupaman
Super Contributor

Re: Macy's store card question


@Anonymous wrote:

I ended up with a store card AND the Macy's Amex card.  Am I supposed to shred the store card and just use the Amex?  I'm confused!  I went on CHAT with them and still didn't get an answer. 

 

Edit:  I just added the Amex last night because I just never got around to adding it.  Different CHAT rep says to shred the store card and that the Amex is linked to both the store card and outside of Macy's.  Sure hope she's right!  Why send both then?!!??  That's one confusing online account site!


Keep both of them open. The store line tends to grow with SPs. I think B335is got the same thing.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 4 of 9
Anonymous
Not applicable

Re: Macy's store card question


@Anonymous wrote:

I ended up with a store card AND the Macy's Amex card.  Am I supposed to shred the store card and just use the Amex?  I'm confused!  I went on CHAT with them and still didn't get an answer. 

 

Edit:  I just added the Amex last night because I just never got around to adding it.  Different CHAT rep says to shred the store card and that the Amex is linked to both the store card and outside of Macy's.  Sure hope she's right!  Why send both then?!!??  That's one confusing online account site!


I agree to what everyone has already said.  They are 2 different lines and keeping them both open is a better option..

Message 5 of 9
FinStar
Moderator Emeritus

Re: Macy's store card question


@Anonymous wrote:

I ended up with a store card AND the Macy's Amex card.  Am I supposed to shred the store card and just use the Amex?  I'm confused!  I went on CHAT with them and still didn't get an answer. 

 

Edit:  I just added the Amex last night because I just never got around to adding it.  Different CHAT rep says to shred the store card and that the Amex is linked to both the store card and outside of Macy's.  Sure hope she's right!  Why send both then?!!??  That's one confusing online account site!


Just use the Macy's AMEX.  Both accounts are linked into the AMEX.  Some folks keep the store card in the event that they need the physical account # for online bill pay through your bank (typically statements only display the last few digits - online or snail mail).   However, you only need to carry one for your purchases at Macy's and wherever AMEX is accepted.  Please note that each account has it's own billing date, due date and mailing address for payments (if pushing through your bank).

Message 6 of 9
Anonymous
Not applicable

Re: Macy's store card question


@FinStar wrote:

@Anonymous wrote:

I ended up with a store card AND the Macy's Amex card.  Am I supposed to shred the store card and just use the Amex?  I'm confused!  I went on CHAT with them and still didn't get an answer. 

 

Edit:  I just added the Amex last night because I just never got around to adding it.  Different CHAT rep says to shred the store card and that the Amex is linked to both the store card and outside of Macy's.  Sure hope she's right!  Why send both then?!!??  That's one confusing online account site!


Just use the Macy's AMEX.  Both accounts are linked into the AMEX.  Some folks keep the store card in the event that they need the physical account # for online bill pay through your bank (typically statements only display the last few digits - online or snail mail).   However, you only need to carry one for your purchases at Macy's and wherever AMEX is accepted.  Please note that each account has it's own billing date, due date and mailing address for payments (if pushing through your bank).


Thanks!  I was about to say the same thing.  I meant the actual card, not the account.  I guess I didn't explain well enough.  I'm keeping the store (actual card) because I will not have any other way of knowing my account number.  Keeping the Amex in my wallet.  I already saw the two separate lines and due dates in my account.

Message 7 of 9
SunriseEarth
Moderator Emeritus

Re: Macy's store card question

I shredded my old store card once I got the AMEX upgrade.   You can use it just fine in store and it knows where to put the charges.   



Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $53000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Synchrony Premier $24,200 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Ralphs Rewards WEMC $20000 | Citi Custom Cash MC $19600 | Jared Gold Card $19000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Belk MC $10000 | Sephora VS $9400 | Wayfair MC $4500 | ~~
Message 8 of 9
Anonymous
Not applicable

Re: Macy's store card question


@SunriseEarth wrote:

I shredded my old store card once I got the AMEX upgrade.   You can use it just fine in store and it knows where to put the charges.   


Thyay!! Thanks!
Message 9 of 9
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