Recon for Macys..need help!

[cappucino24]

Hello,

I've been lurking the boards for sometime now in search of tips/advice on how to rebuild my credit from a recent divorce. I have been successful in obtaining both CapOne and Orchard Bank credit cards. This past Saturday I finally built up enough nerve to apply for a Macys card. I was denied at the register..ughh how embarrassing! lol..So I came here in search of reconsideration information and called the backdoor number. I'm sad to say after speaking with 2 different reps and a supervisor they won't budge..but what REALLY bothers me is the fact that I have 9 good standing, never late accounts, 6 paid closed derogs, and 2 derogs I'm disputing. I explained my case..the ramifications of divorce and credit but i have more positive then negative! They pulled from Experian. In any case the Supervisor wouldn't budge...he said if I clear the last two derogs then maybe and that my report wasn't that bad, he's seen worse but NO.

Should I send a letter for reconsideration? They act as if this card holds some sort of Amex status! WAIT..do they? Lol I do recall reading a post about Amex and Macys affiliation. Any suggestions would be appreciated...

[Anonymous]

Which card did you app for? The Macy's/Amex, or just Macy's store card? The Amex version is definitely harder to get...

[cappucino24]

I apped for the Macy's store card. I stated to the Supervisor one ofmy reasons for wanting the card was because I shop in the store frequently. 

[Anonymous]

So when you applied, you checked the box so they would only consider you for the store card only? 

[cappucino24]

Box? That's a negative...Ya know what..come to think of it the store clerk was moving so fast asking for info that I must've overlooked or missed that! I'm so upset..hard pull for nothing!!

[Anonymous]

Its hard to say, but I would eat this inquiry, then in about 30 days go back in and re apply. Just go to a different associate. When you get to the final step, where it asks for your signature, there is a box in the upper left hand corner that you check if you want to be considered for the store card only, the same terms apply, same interest rate, etc. But it is way easier than the Emx to get, and there is no annual spending requirement. I have noticed a lot of associates do not disclose this when having customers apply. They just want to get the account. 

[learnin113]

What box?  Never heard of checking a box for Amex.  I thought if you apped instore you were first considered for the Amex and if you dont qualify, then the store card.  Online, the only option is for the storecard.

And to the OP, this is a tough one, I've never heard of a Macy's recon, particularly because this seems like one of the EASIEST cards to get...I'm talkin people credit scores in the 500s that can eke out a $100 CL card.  Is there any chance you may have burnt Macy's in the past?

[Anonymous]

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@learnin113 wrote:

What box?  If this is an instore app, they will consider you for the Amex first, and if not then the store card.  Online, the only option is for the storecard.

And to the OP, this is a tough one, I've never heard of a Macy's recon, particularly because this seems like one of the EASIEST cards to get...I'm talkin people credit scores in the 500s that can eke out a $100 CL card.  Is there any chance you may have burnt Macy's in the past?

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No, they do not. You have to specify what card you are apping for. Its either or.

[learnin113]

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@Anonymous wrote:

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@learnin113 wrote:

What box?  If this is an instore app, they will consider you for the Amex first, and if not then the store card.  Online, the only option is for the storecard.

And to the OP, this is a tough one, I've never heard of a Macy's recon, particularly because this seems like one of the EASIEST cards to get...I'm talkin people credit scores in the 500s that can eke out a $100 CL card.  Is there any chance you may have burnt Macy's in the past?

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No, they do not. You have to specify what card you are apping for. Its either or.

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I edited my post, because I'm not sure of the "checking of a box".  I know I was certainly not given that option.

[Anonymous]

Like I said, a lot of associates do not disclose that there is in fact a box to check, its on the same screen as the signnature prompt. So a lot of people just assume they sign, and they're done. A lot of assocates also don't really care to, because they get an application and get paid for it regardless of if it is approved, or denied.