@pip3man wrote:24.5% sheeeshhh is this a flat APR charged to all cardholders or is it based off individual credit worthiness? Regardless it's very steep and sure im definitely not gonna charge anything on it. Will act like I dont know it existed but I just hope they dont shut it down on me cos it would be nice to have it around to pad utilization. Thanks for the tips and info.... your a livesaver and very helpful, I appreciate once again! Aside - I never shopped at Bloomingdale's, once in a while I'll get my cologne at Saks but Macy's remains my primary store for purchase.
ALL CARDHOLDERS
use it once in a while... you can get SP CLI on the Amex side just like the store side every 3 months store, 6 months amex... they will ALWAYS tell you it's HP and it's 98% the pull they have on file... id say 99% but i got corrected once 
damn damn thank you so much for the advise, will definitely follow through with ur suggestions. I just looked at ya signature line and noticed u also got the Macy's store and Amex line too hahaha. Maybe a bottle of cologne will go through the AMEX side, clothing and every other thing I will dump on the Macys store line and PIF since prior to this card, I always pay cash for all my Macy's purchases anyways. Will be more useful and happy to see the Macy's side grow than AMEX 
@pip3man wrote:damn damn thank you so much for the advise, will definitely follow through with ur suggestions. I just looked at ya signature line and noticed u also got the Macy's store and Amex line too hahaha. Maybe a bottle of cologne will go through the AMEX side, clothing and every other thing I will dump on the Macys store line and PIF since prior to this card, I always pay cash for all my Macy's purchases anyways. Will be more useful and happy to see the Macy's side grow than AMEX
if you buy the cologne at a different store you can put it on your amex side... all purchase3s at macys go on store, you can't put on amex side.