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I would suggest when you go in you apply at one of the back registers where there isn't many people around all of the time. That is where I will be hearding when I apply to Macy's after these two last medical bills delete.
good luck
@aquatic1 wrote:I would suggest when you go in you apply at one of the back registers where there isn't many people around all of the time.
Kinda like the scene in the Woody Allen movie where he quitely tries to buy adult magazines and the cashier announces the name of each magazine over the load speaker to find out what the price is. If there are muliple Macys in your area, I would go to one on the other side of town.
Seriously I would just go for it and dont worry about what other people think. The casiher doesn't care and might be be pulling for you if they get a bonus for signing you up.
@marty56 wrote:
@aquatic1 wrote:I would suggest when you go in you apply at one of the back registers where there isn't many people around all of the time.
Kinda like the scene in the Woody Allen movie where he quitely tries to buy adult magazines and the cashier announces the name of each magazine over the load speaker to find out what the price is. If there are muliple Macys in your area, I would go to one on the other side of town.
Seriously I would just go for it and dont worry about what other people think. The casiher doesn't care and might be be pulling for you if they get a bonus for signing you up.
Very true, I used to work at Macy's in HR for the holiday season and I beleive that the employees in the floors did get credit for the number of apps. Not to mention I was in no position to apply for a credit card. I used the pre-paid one that we were offered.
If (no when!) I am accepted for the card I already know what I want to buy (I have the money but would love to be able to charge it and then pay it off).
Its not the cashier I am worrying about but the people waiting in line behind you....
@Anonymous wrote:
Hey good for you! Maybe I'll muster up the balls of steel I will need to apply in person at Kohls or Penney's one of these days. We have no store cards and we do need a couple for a good mix.
I would suggest doing some research before you apply to better your chances. Find out who handles (issues/services) the CC, and what report they pull, etc. For instance, GEMB handles WalMart, Lowe's, and Old Navy/Gap that I'm aware of, among others, and they pull TU. I've applied for several accounts in the past few months and have only been denied by one (Online - I too don't have the stomach to be rejected in person
Smrtshppr43 wrote:
Hey good for you! Maybe I'll muster up the balls of steel I will need to apply in person at Kohls or Penney's one of these days. We have no store cards and we do need a couple for a good mix.
only ONE store OR gas card is required to get acct. mix points, more than one doesn't help 'mix'.
RE: ONE store or ONE gas card is required to get max. acct. pts.
I actually asked this question today, and Hauling gave a great answer:
http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=169179
I obviously don't know how to cut and paste appropriately. The short name for the thread is "How important is it to have a mix of cc?
Guess watching Ghostbusters with the boys has got my brain a little fried.......
@haulingthescoreup wrote:
Back in my dumb days, I applied in person...
Macy's can say no in person
I read that thread - that's GREAT stuff... With my overactive, dark, or rather sick sense of humor, I was (and still am) laughing my a*s off!
I was at Old Navy a couple of weeks ago, and the clerk was a hottie! While I was waiting for the person ahead to cash out, I picked up the pamphlet with the credit app and was looking it over. The clerk was prodding me to apply, several ppl behind me, etc. I almost went for it, but didn't have the guts - my GF was also with me, and I would've probably had to go to the bar after a rejection... LOL. Anyway, I applied online a few days later and approved, so next time I go there and if she's working again, I think I'll use the card... Cheers!