Macys credit Limt

[NiNoMArksLA]

Hey just wanted to know about my credit limts
My macys store card Limt been at $300 for 1 year never any cli never tryed cause its a HP
and my wal-mart never got a cli $400
I pay everymonth on time I pay over the min
I made off 2 cards but didn't show on report yet gotta wait Couple weeks I been buying down all my cards I haven't use them in a while 1-2 months I try to call the back number for wal-mart they said will send me a letter...

Mid August ill have all my cards paid off and my UTl% is at 70 right now but 2 cards paid off and couple other cards balance lower but didn't report by September ill have under 5% UTL and my score will go up

And wanted to add money on my Bofa Card but its a HP they said!! Was gonna make it $1,500 Limt .. It's at $300 now will that help
Getting Little Bitter Limts

Sorry for the long typing On iPhone

[09Lexie]

Once you get your util down, CLI's should be an easier approval.

[Networth]

When I opened my Macy's card they gave me $700. I bought like $500 worth of stuff the day I got the card and paid it off over about 5 months. They have slowly given me small auto CLI's to a current limit of $1,500. I think the key is to just keep your util low and use the card and let is post every once in awhile. 

[randeman]

I agree that your utilization will play a big role here, but my recent experience with a CLI request only amounted to a soft pull.  I was asked how much of an increase I wanted.  The CSR came back with a significantly lower figure.  She said I might qualify for what I asked for originally but that it would result in a hard pull.  I went all chicken **** and took their offer.  I decided then and there that I didn't really want the hard pull, which may have been the right choice since I turned right around a couple of days later and was approved for two Chase cards with $5000 limits.  Might not have gotten it with a hard pull.  I didn't really need a CLI to the figure I asked for as I have never gotten anywhere near my limit, but I was just trying to see what I could get.  I use the hell out of my Macy's card and often carry over a balance.  The CSR told me that they will entertain CLI requests every three months.  I told her I would be back at Christmas.  Again, the limit I have is more than enough for me, I just want to see what I could get.

My advice, get down to 30% utilization (the maximum some people agree that you should be at) and give them a call.  Tell them you're looking to see what you can get with a soft pull and then take it from there.

[Petraeus]

+1 and dont be shy to ask for a little more CLI than you want. They will always counteroffer on a SP.

[Creditaddict]

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@Petraeus wrote:

+1 and dont be shy to ask for a little more CLI than you want. They will always counteroffer on a SP.

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I have never seen Macy's be a HP for CLI on Store and Amex... They counter with SP instantly... The system pulls them at least every 3 months so it's just in the system waiting for you to request.

[Creditaddict]

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@Creditaddict wrote:

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@Petraeus wrote:

+1 and dont be shy to ask for a little more CLI than you want. They will always counteroffer on a SP.

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I have never seen Macy's be a HP for CLI on Store and Amex... They counter with SP instantly... The system pulls them at least every 3 months so it's just in the system waiting for you to request.

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edit: to add they are telling you these days it will be a HP... I guess rare chance it could be but I have yet to see although im sure you wait long enough someone on here will be the one that they did.

[kroberts67]

I started with Macy's at $100 until i called to ask what was that about...  they said all I had to do was call and my actual CL was put at $800.  I thought this is me....  no one has ever given me that!  And from my worst CR at the time.  I used the heck out of it, especially at Xmas.  Paid on time, more than min pmt and treated it well.  Any time I asked for a CLI they told me it would be a HP so I didn't do it.  After the 6th statement (this past May) I got an auto CLI to $2500-- EX still was my worst CR so, ya got me!  Just my sweet experience with them.  

[b0ricua]

I called last week after having the card for 6 months at $700 and asked if it would be a SP..she said the system will warn her if its a HP and ask to continue..i said ok and she asked how much i wanted, i asked for $1500 and she said ok, well the system didnt ask for a HP and youve been approved for $1500..wish i wouldve asked for more $800 more and done through SP...had to call more than once because other people told me its not possible to do a CLI with a SP but finally talked to someone who assured me it can be done with a SP unless the system warns it will be a HP

[wreith]

I am doing a secure chat with macys.  I was informed it would be a HP, I went ahead anyways.  I asked for a incease up to $300 from y current $1800, I was informed I was not eligible for that but could be raised to $2400 and increase of $600.  I said go ahead.  Will keep any eye out for any alerts and let you know if any pop up.