I started out with a $250 limit 6 months ago. After about a year and a half, I thought I was late and called CSR to check if online payment went through. (Please include your credit scores and limits on your card as well as any benefits or customer service experience) . They originalky gave me $700 in cl. Go to Macy's company website. I have used it, paid it off, used it paid it off. 01 pros and cons ... Credit Score. Recently got approved for Walmart with $1,200 and Amazon with $900 which after only three months got bumped to $1,600 (paying off every month and only spending like below 20%). (HARD PULL!) Got a $500 CL with a 690 TU score. You can do so from your own home. Our editorial and consumer star ratings are based on independent reviews and not influenced by compensation and affiliate relationships. She said she could do nothing about it. Returning customer. From here you can also view and print up to 12 consecutive months' statements or pay your credit card bill. I just selected store card, and I got approved for $800 . Just applied online and was approved but don't know how much im approved for....Customer service said...you were approved and you will receive your card and letter in 7-10 days.why didn't she tell me how much i was approved for??? I can call every 2 months and they have no problem with giving me a CLI. You would think that with a 700+ score that I would be approved for the Amex version. I started off with a $10k CL but I called every few months and they increased the limit with no hard credit pulls. The low utilization probably helped me get approved. I first had the store credit card and then after some months they automatically upgraded me to the Macy's American Express. This card is an excelent and one of the best ways to build your credit if used properly. Approval can be instantaneous or the process may take 7 – 10 business days to receive your Macy’s Credit Card or Macy’s Amex card. OK~ Cut the card right after the call! Always keep a small balance if you want that nice CLI. Their APR is quite high (above 20%). That card helped me out with my car repairs due to the credit limit they offered me at $1200. Secure sign in. Macy's Credit Card pros and cons Macy's Credit Card pros. Rec'd additional coupons with credit card in mail. I've always wanted a Macy's card because of the benefits. My limit was 1200 payed it off and they lowered it to five hundred dollars, I told them to close it and I'll never shop Macy's ever again. The limits on my card 1000 is plenty for me, Credit score 705 yet got declined online for a card. Finally, the site may receive compensation from third-party advertisers. Compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. I also have AMEX cards that are double what Macy's was giving me through AMEX so I call BS on everything. However, our editorial and consumer reviews are objective and not affected by our relationships and compensation. I later found out that when you apply, you are actually considered for both and if you are not approved for the Amex card then you will get the store card. Your good payment history on all your debts is far more important to your credit score than whether your Macy’s card is considered to be old or new. I shop at Macys about once every 2 months and put about %$50 to $70 on the card at once. Recently they lowered it to $300 because I made some purchases (RV and Auto) which lowered my score. A year later I requested for a credit increase and was approved 300. I shop at Macys a few times a year. The minimum recommended credit score for this credit card is 640. Sign-up bonus. I went through the last two years trying to rebuild my credit after a divorce. I have had this card for a year. The ironic part is that my credit has never been more then 700. I applied at the store and got approved $600. Your guide to everything personal finance. Debt. 12-month financing is a pretty bad deal for Credit. You might be facing high-interest rates. It dropped so much in 1 month. The sign up was a pretty quick process . Does Macy'S Do A Hard Pull For A Credit Card? However, our web content may be different than the information you receive from a financial institution or service provider. But the increases paid off well with on time payments and paying more than the minimum payment. I pay each bill on time each month plus I make an additional payment on each card each month. Your chances of approval are also good if you have fair credit. Their website and online payments are not really good nor sophisticated. However she doesnt live in CA where she was denied often prior to moving to NV where she obtained her current credit with no issue. The sign up was a pretty quick process . Keep taking good care of your total financial picture, and for the most part, your credit will take care of itself. Great bill pay rating. Potential for high rewards rate. If you're looking to apply, we recommend at least a 630 credit score. I called customer service, and they were very helpful and nice even though I didn't have a reference number so they had no idea who I was. Hard inquiries on your credit report will typically only drop your credit score by a few points. You know what they say? Cons Explained . If you’re using too much of your existing revolving credit, it’s a sign that you may not pay them back. Paid on time and took no more then 3 months to pay off entirety. will never shop at Macys again. Its called maintaining a good credit to debt ratio. Had to reapply. I read the reviews here and saw a few people had a credi score less than mine so I went in to the store and applied. 640. I don't even own any other credit cards I'll see how this goes . The Macy’s American Express Card is a credit card that allows you to earn rewards called Star Money that you can use on anything at Macy’s except Gift Cards, services, & fees. Sign in to check out faster, earn points while you shop, manage your account preferences and more! It takes time and a little discipline but you can get there - if I did, you can too. Credit Score between +770. I pay off the card the month I use it. The other is through a bank and neither of them have high credit limits. Having too many credit inquiries can lessen your chances of getting approved. THEY ARE NOT AMERICAN EXPRESS!!! Have to wait two weeks to be notified by mail. Tried last week with Old Navy and got $300 instantly approved online. Six months later they increased it from 600 to 1200. We filed Chapter 7 in 2009, which was discharged in 2010. When they offered 12-month financing with no interest, it sounded a pretty good deal but what happened was my credit score dropped by 65 points in just 1 month. My purchase after all the savings only came out to about $47 dollars . What Credit Scores Do I Need to Qualify for the Macy’s Credit Card? Please login or register for free to view your stats, add reviews and card application results, or post comments. Type in "Macy's Credit card." I thought my 700 plus score was decent and was rather surprised that firstly, I did not get the Amex version (the proper cc). I got this card and got an initial CL of $100. I love the red card! I have a Cap One with $1500 CL. How to Remove a Charge Off from Your Credit Report. I'm just a student working part time while in college so I don't make very much . I have a few baddies in my CR so I guess I cannot really complain about the low credit lines that I got. Pay it off early, don't use up more than 10 percent of the credit available and you can increase your credit score pretty quickly. Prior to this card, I had a Cap One secured with a $300 line and a Orchard Bank with also a $300 line. Major smiles over here. If you are approved for the Amex card, you can choose to either take that or the store card. Very happy I did! Have you filed for bankruptcy before you applied for this card? Read More. Macy''s customer outside the U.S. Is a bit lacking. The rep states its both internal and external factors that are preventing an increase. I thought" What the heck.. the worst they can say is NO!" They granted a $5000 increase to $7800. Got a CL of $3000, which was nice. The key to this card is to always pay in full since the interest rates is not exactly consumer friendly! How Much Should Your 401(k) Contribution Be? In addition to Macy’s, DSNB also offers cards to Bloomingdale’s shoppers. I don't typically spend more than $100 at a time anyway so I doubt I'll ever use that much . I went from great FICO score to only good after Macy's non-usage cancellation and rejection of my card application. Retail Store Credit Cards For Online Purchases. Applied in store. Although the Macy’s Amex allows you to earn 50% more rewards for restaurant spending, the Citi card actually gives you cash back, not just money to use at Macy’s. However, they are also popular with people who are looking to rebuild their credit. Other Basics: The grace period listed for the Macy's Credit Card® is at least 25 days*. First, request your free credit score from Credit.com to find out where your credit worthiness stands. I will ask for an increase in November or December. I have a 700+ credit score and make $85K+ a year in a job I've had for over 12 years. I applied in store about three weeks ago and was approved for a $600 limit. Card cancelled Dec 2020-no notice-because not used 2 years, including the Year of Covid when everyone avoided spending. Relaxed credit qualification: Since the Macy's Credit Card is a store credit card, it may be easier to qualify for than a traditional rewards credit card or the store’s other credit card—the Macy's American Express Card. Approved in store. On the top of the screen, there should be a search bar. A Macy's credit card is easy to get, even if you have less than stellar credit. I only plan to use it very rarely and specifically for the discounts and pay the balance off within 25 - 60 days. Since I shop about 3 times a year at the big M, I think I'll just cancel this card after a year or so. High credit score of 826, bought new car last year, paid it off in 6 months, bought a new home paid it off in 3 years. The Macy’s Credit Card is a basic store-branded card issued by Citibank that can only be utilized for purchases at Macy’s, online at macys.com, and at Macy’s Backstage.When you open a Macy’s Credit Card, you’re automatically enrolled in their “Star Rewards” program at the Silver level status. Currently, Macy’s credit card users are subject to a 26.74% APR and late fees of $39. Click on this button. Don't lose hope. The Macy’s Credit Card is a store credit card that can only be used at Macy’s. The way the cards work is that as you spend more on Macy's and macys.com purchases (per year), you can reach elite status, which comes with more and more rewards. Secure sign in. Our #1 priority is you, our reader. if you are looking for cards commenity bank seems to be the most flexible in lending credit. The Citi Double Cash card is a much more flexible and versatile credit card option than either Macy’s card. I was Declined a Macys Credit Card. I like the card. Those who tend to carry a balance will likely find the Macy's Credit Card pricey to maintain, as the card charges a … How to Increase Your Chances of Getting Approved for a Macy’s Card Getting approved for a Macy’s Card requires a little planning. Trying to rebuild my credit, started with a 300 CL ,a year later I'm at 1500. My cards before I got his was the Credit One and Wells Fargo secured. We are able to present this information to you free of charge because some of the companies featured on our site compensate us. I have not had a credit card in about 8 years... applied at the counter(after being asked numerous times!!) I apply today at the store and I got 6200$ Macy's Amex. Remember that yor credit score is nothing but a big game of math. I have 4 credit cards, 2 of those are with First Premier in which I used to rebuild credit and of course Capital One. Once I found out you can request a credit increase every 30 days I've been more in love...lol. However, I pay in full every month. I went to Macy's to buy a dress for a Christmas party. All content is written objectively and meant to provide a neutral opinion. You need to have some facts about using a Macy’s credit card, and you must know if the credit card will be good for you. Applied over the phone with Macy's Furniture and the sales guy was told more information was needed. Rejection hurts, even when a credit card issuer rejects an application using an automated system. They closed out my account five times without my consent citing a lack.of use or low fico score. Compensation may impact how and where we place products (for example, the order which they are placed on a category page). I just got my bill 2 days ago and I got a 10 dollar new account discount so I only owed $38 dollars. To add insult to injury, my CL is only $300. To improve your odds of being approved for a new account, try these steps. Macys DSNB is the reporting code that represents the Macy’s credit card issued by Department Store National Bank. Annual Cardholder spend at Macy's $1,200+ receive 5% back in rewards on merchandise, no exclusions at Macy's with the Macy's credit card. Never needed more than that amount. 2015 they increased it to 1500 and now my Credit limit is 1600.. I was expecting $100 or $200. In order to qualify for the Macy’s American Express Credit Card, you will need a credit score, at least, in the 700s. 😡😡😡.. Are you thinking about applying for the Macy’s Card? I may just close it. Items were not eligible for coupons. Rebuilding my credit for a year now, I have been getting approved since i hit the 600 mark. Lexington Law can help you dispute (and possibly remove) the following items: They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.
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