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Unbelievable - Macy`s Card is actually worse than Capital One

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lajntx
Frequent Contributor

Unbelievable - Macy`s Card is actually worse than Capital One

I cant believe it, I actually found a creditor that is worse than Capital One when it comes to actually doing anything.

 

In my last app spree I thought I would test Macys to see if they were still blacklisting me for the BK in 1996. To my suprise, the account was approved and the credit card arrived. When I finally went  to the website to purchase something -- It came back card declined. Ok, so they changed their mind or I slipped through the cracks on the approval. So I call the number fully expecting to be told that the account was recsinded. Nope, everything looks fine on this end and it *SHOULD* be working as was given quick excuses in trying to get me off the line. When I pressed that my account was being declined, only then did the rep try to get someone to look at it. ON hold for 10 minutes... no hold refresh... but whatever. I wasnt able to get anyone ( really ????? ) but we will look into it and it should be fixed in a few days.

 

3 days later... My online account summary no longer works.... I try again to make an online purchase.... declined! I send in an online message hoping to get someone better [ mod cut ] ... I get a message back... Sorry but you need to call. I calll...... [ mod cut ]... You account is ok for you to go make purchase. Oh it is? I try again online.... Nope, nadda, we arent taking it.

 

I call back..... now the phone tree isnt letting me connect to China and offers me self service options... One is..... "Close account"...Which I press.... The auto voice comes back and says " This account has been closed at your request "... No sorry, no attempt to save. Pretty bad service .....but at least something with macy`s credit actually works at least. Smiley Very Happy

EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
Message 1 of 21
20 REPLIES 20
azguy13
Senior Contributor

Re: Unbelievable - Macy`s Card is actually worse than Capital One

Wow, that is terrible. I guess they did not want to work for your business. Their loss, not yours. It is hard to believe there is a lender out there worse than Cap1 though, lol. 

 

BTW, my biggest pet peeve is heavy accents wth customer service reps. If I have to ask them to "say again" more than once I get quite angry. Most likely I will either hang up or demand to speak to their supervisor. With sprint, I just call the cancellation line and they give you whatever you want. 

Message 2 of 21
lajntx
Frequent Contributor

Re: Unbelievable - Macy`s Card is actually worse than Capital One


@azguy13 wrote:

. With sprint, I just call the cancellation line and they give you whatever you want. 



Apparently when you select the option to cancel -- so does Macys!  Smiley Very Happy

 

Oh well, no big loss for me really. The nearest store is 45 miles in a direction I seldom travel. At least I learned they apparently dont black list like they used too, but if you have problems..... Dont expect it to get fixed.

 

Apprently, I`m not the only one to experience this.... The reply to this was quite interesting.

 

http://www.pissedconsumer.com/reviews-by-company/macys/coudnt-use-my-new-macys-store-credit-card-aft...

 

"Second, Its unfortunate that your friends referred you blindly into opening an account at Macy's. It used to be known as an excellent card to open a few years ago. But with all the changes to the card it just isnt so anymore. interest rate is at 24% and you are charged late fee's left and right. The card is through Citi bank. So there is another problem. Unlike Nordstroms who runs their card themselves, Macy's allows others to do their dirty work

Third, Anytime you want anything to be resolved with you card you must go in store if you want to get anywhere. When calling from the number on the back of your card you will get the complete run around and its a 50/50 chance anything will be resolved. However, the associates in the store have a direct number to credit where its almost always an american who is there to quickly get you in and out. Once you have the associate call you need to immediately ask... for a supervisor to resolve any issue at hand."

EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
Message 3 of 21
randeman
Frequent Contributor

Re: Unbelievable - Macy`s Card is actually worse than Capital One

Wow!  Sorry about your luck there.  That was terrible.  I haven't had any issues with Macy's (other than their belts suck).  Once again, YMMV, I guess.

Experian Score: 689--Amex 27 July 2014; Equifax Score 680--MyFICO--17 September 2014; TransUnion Score 718-Discover 20 August 2014--PUH-RAISE JESUS, I finally broke 700!!! Cards and Credit Lines: Escape by Discover, Chase Freedom Signature Visa, Chase United MileagePlus Explorer Signature Visa, Chase Sapphire Preferred Signature Visa, Barclay's Holland America Visa, Citibank Custom Credit Line, Paypal Custom Connect Credit Line, Bloomingdale's, Macy's Premier Elite, Amazon Store Card, Lord & Taylor, Nordstrom, Discover It, Gold Delta SkyMiles from American Express, PayPal BML.
Message 4 of 21
FinStar
Moderator Emeritus

Re: Unbelievable - Macy`s Card is actually worse than Capital One


@randeman wrote:

Wow!  Sorry about your luck there.  That was terrible.  I haven't had any issues with Macy's (other than their belts suck).  Once again, YMMV, I guess.


+1

 

That really sounds pretty messed up.  I've been a Macy's cardholder for over 15+ years (including the Bloomingdale's relationship) - and a Citi customer for over 20+ and I've never had any major issues at all.  I would agree with randeman, it's probably a YEMV kind of thing.

Message 5 of 21
GlocksAndCredit
Regular Contributor

Re: Unbelievable - Macy`s Card is actually worse than Capital One

WOW! Really!? "Your account has been closed, have a great day!" Smiley LOL

CSP $9500, CapitalOne VentureOne Sig Visa $8000 Chase Freedom Sig Visa $5000, Citi ThankYou Preferred Sig Visa $5000, Amazon Store Card $5000, Discover IT $4800, CapitalOne Quick Silver MasterCard $4000, Fidelity AMEX $4000, Sallie Mae Mastercard $3300, Hilton Honors Sig Visa $3300, Citi Double Cash $2700, SunTrust Cash Rewards $2500, Citi Simplicity Visa $2300, AMEX BCE $2000, AMEX Everyday $2000, AMEX Delta SkyMiles $2000, Amazon Reward Visa $1800, BP VIsa $1800, Barclays Apple Visa $1700, Suncoast FCU $1000, Target REDCard $900

Current Scores: EQ 727 (Fico), EX 735 (Fico) **In the Garden unti....forever.
Message 6 of 21
09Lexie
Moderator Emerita

Re: Unbelievable - Macy`s Card is actually worse than Capital One

That is horrible. I wonder what was wrong with the account?
Message 7 of 21
lajntx
Frequent Contributor

Re: Unbelievable - Macy`s Card is actually worse than Capital One


@09Lexie wrote:
That is horrible. I wonder what was wrong with the account?

No idea. Probably some computer glitch that no front line outsourced call center employee would have the authority to fix, and would take multiple calls to reach resolution on. I called back later to confirm that the account was closed..... Apparently not since the auto system was telling me my balance was 0 and my limtit was $300. Smiley Frustrated

Here we go again. lol

 

EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
Message 8 of 21
lajntx
Frequent Contributor

Re: Unbelievable - Macy`s Card is actually worse than Capital One


@collinsridge wrote:

WOW! Really!? "Your account has been closed, have a great day!" Smiley LOL


It did ask me if I was sure and gave me the chance to say yes before that. Smiley LOL

 

 

EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
Message 9 of 21
CreditScholar
Valued Contributor

Re: Unbelievable - Macy`s Card is actually worse than Capital One


@FinStar wrote:

@randeman wrote:

Wow!  Sorry about your luck there.  That was terrible.  I haven't had any issues with Macy's (other than their belts suck).  Once again, YMMV, I guess.


+1

 

That really sounds pretty messed up.  I've been a Macy's cardholder for over 15+ years (including the Bloomingdale's relationship) - and a Citi customer for over 20+ and I've never had any major issues at all.  I would agree with randeman, it's probably a YEMV kind of thing.


Maybe they have different levels of service based on how valuable they think you are as a customer? It wouldn't be uncommon for people to be sorted into tiers based on profitability, with the lowest tiers getting the worst service.

EX 798, EQ 789, TU 784
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Message 10 of 21
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