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Macy's Credit Card - Written by: JELOPEZ88 on 2012-02-05

Macy's Credit CardŽ
[Card Details]

 
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery TimeNot Rated




JELOPEZ88's Card Review:

This card is relatively easy to apply for and most of the time, you can be approved for an account. You do earn rewards for using the card and Macy's sends discount cards for 10 or 20% off merchandise.

The downside of the card is whenever there is a mistake on you bill, correcting it can be a tiresome, frustrating process. The bank behind the card is slow to correct the billing errors and makes arbitrary decisions regarding credit limits.
With the rewards program, only certain merchandise can be used with the discounts; all of the really good brands are excluded.

 



Comments On This Review: (5 Total)



Comment 1
Comment Title: Re: Macy's Credit Card From Derek1061 on 2012-02-05

Congratulations. This appears to be a nice card. Isn't this card issued by Citibank?



Comment 2
Comment Title: Re: Macy's Credit Card From JELOPEZ88 on 2012-02-08

No, it is issued by Retailer's National Bank and they have been a headache to deal with regarding billing mistakes. For the last two months when I have made payments to my account on time, I have received letters saying the payment has been returned by my bank. I have also been charged a late fee even though I paid on time. I checked back with my bank and they said the payment cleared my checking account which tells me RNB bank accepted the payments. On both occasions, I went into one of the local Macy's stores in my area and submitted a payment in-store with a personal check which is converted into an electronic payment. Evidently there must be a problem with that form of payment.



Comment 3
Comment Title: Re: Macy's Credit Card From Patrick12 on 2012-02-08

This card is issued by Department Stores National Bank, which is a division of Citi Bank, DSNB primarily services Macys's as well as Bloomingdales charge accounts.



Comment 4
Comment Title: Re: Macy's Credit Card From JELOPEZ88 on 2012-02-11

Thanks, Patrick. I did not realize DSNB was a division of Citibank. I thought it was a stand alone financial institution.



Comment 5
Comment Title: Re: Macy's Credit Card From Wanderer on 2012-02-11

As a followup, DSNB is not a true bank and does not accept deposit accounts. It is established soley for the purpose of dealing with credit cards. Located in South Dakota it has no employees and the work is contracted out. It is part of Citi Bank which was already stated.


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