@Anonymous wrote:
@Ortz33__ wrote:
Does the Macy's card now really pull your report (hard) on every purchase? That is ridiculous if true and not worth having for a 15% sale.
I doubt that.. My dad just applied for one and he got Instant Approval for a Macy*s AmEx. But he did it instore and the cashier didn't even have to talk to the credit department.
Although I have a conception that applying instore is easier because they can call the credit department and you can talk to them in front of a cashier.
Applying in store should not require any communication with credit unless you are buying furniture... this usually requires a little communication but sales rep starts it for you.
I have not seen a hard pull from Macy's since opening the account in 2008 except for when the Amex line was re-opened... 2 Furniture Lines, about 5 CLI on Amex Side and 4 or so CLI on Store account until they did away with credit lines... I assume it would be just like Amex Charge, the card is swiped and the computer has it's internal limit, if the charge is under that limit it would just go through, if it's over that the computer probably quickly pulls a soft and automatically increases internal limit and approves or passes the charge over to credit and cashier is probably told to call in... I have not had any questions or issues with making charges on store account and I think it has been blown out of proportion of how bad it is... yes I would love my $10,700 CL reporting with my current $270 balance but besides util help nothing has changed for me.
