Macys store card approval odds

[Anonymous]

Hi everyone im going to apply for the macys store card i was told they pull experian my score right now is 644 do i have a shot of getting it? What is the usual score of approval?

[coldnmn]

It takes more than score. Any baddies, average age of accounts current cards, etc. In order to give an answer.

[Anonymous]

---

@coldnmn wrote:

It takes more than score. Any baddies, average age of accounts current cards, etc. In order to give an answer.

---

Average age of accounts is 4.2 years and i have 4 old baddies that drop off in 2015 ans 2016

[sghosh5]

I was approved for Macys store card with a exp score much lower than that (may be around 620s). But applied online and they gave me a ridiculous limit of $100. I heard if you apply in store chances are better to get better limits. Not sure. 5 months after opening the account they increased the limit to $5000 !! Recently they gave another CLI to $6300!!

I would say go for it. 

[Anonymous]

---

@sghosh5 wrote:

I was approved for Macys store card with a exp score much lower than that (may be around 620s). But applied online and they gave me a ridiculous limit of $100. I heard if you apply in store chances are better to get better limits. Not sure. 5 months after opening the account they increased the limit to $5000 !! Recently they gave another CLI to $6300!!

I would say go for it. 

---

When you were approved did you have any thing bad on your report?

[sghosh5]

Yes i had lots of lates on my car loan, which is now paid off, but i still have them in my report. Also had charged off cards, collection accounts. It was back in March 2013 when i started rebuilding from a terrible credit situation. May be i was little lucky to get approved for Macys. 

[Anonymous]

---

@sghosh5 wrote:

Yes i had lots of lates on my car loan, which is now paid off, but i still have them in my report. Also had charged off cards, collection accounts. It was back in March 2013 when i started rebuilding from a terrible credit situation. May be i was little lucky to get approved for Macys. 

---

Thanks for your help im going there tomorrow hopefully things work out 

[money28]

I was able to get a Macys $300 credit limit. They pulled experian for me.

[Anonymous]

---

@money28 wrote:

I was able to get a Macys $300 credit limit. They pulled experian for me.

---

What was your score at the time? Did you have any thing bad reporting?

[FinStar]

---

@Anonymous wrote:

---

@coldnmn wrote:

It takes more than score. Any baddies, average age of accounts current cards, etc. In order to give an answer.

---

Average age of accounts is 4.2 years and i have 4 old baddies that drop off in 2015 ans 2016

---

As previouly stated on your other posts/threads, those derogatory items may present an issue but it's going to be a YEMV situation.  The only way to know is when you apply OP.  Good luck.