I received a very low limit. Wanna know how low? Like $100 low. Yes macys issued me a card with a $100 limit. I was shopping on macys.com one day and I decided to just apply( I need store cards anyway to rebuild my scores). I had spoken to a csr on the phone b/c I was having difficulty with my order. With that I asked her what the limit was on my card. Then she states $100. I am pretty sure she said ONE HUNDRED. I was so shocked that I couldn't even ask her to repeat it. I just said oh okay thanks for all your help. Has anyone out there gotten a $100 c l on a macys store card? But she also stated that every month they do raise up the limits...
When you get your new card... Go into the store and ask for an increase. Hope it helps.
Comment Title: Online App From ColoNativeon 2009-01-23
If you look at some of the older Macy's card reviews others have had this happen to them.
It is a fraud protection program, they approve the account but only give you a $100 limit. Like YoYo said, go into a Macy's store and provide them with your driver's license and they should give you a decent increase.
With what the others said, but I don't know about that reviewing every month for increases. I have a Macy's card and was told that you can only receive increases every three months, but you will definitely enjoy this card and all its perks. Just try not to revolve a balance to often. Enjoy!
Thanks everyone for the comments. Ive read some of the reviews about this card it seems that everyone is satisfied. I haven't received my card yet, hopefully ill get it soon. Its only been about a week since I got approved. I'll take all your advice into consideration once I get it. Thanks again!
Comment Title: Not That Great From Wildrage2on 2009-01-24
My experience with Macy's hasn't been that great. I got the card last March with the 100 limit, went to the store, shopped, etc., and no increase. I called and they gave me another $100... Whoopie. They say I can call every 2 or 3 months and get $100.
So here I am, almost a year later, with only a $400 limit. Pefect payment history, and scores in the mid to high 600's.
Just sucks for them tho - I would spend a ton more money there on suits and stuff had I had a higher limit, but instead I just go to their competitors.
I hope your luck is better than mine.
Comment Title: Re Wildrage From Brian23on 2009-01-24
I too have had the same problem with Macy's increases. I started in May with a $100 CL and they only give me a 100CLI every 2-3 months that I call. I don't really know what there deal is, but it doesn't have an AF so I will hold on to it for payment history.
Comment Title: It's Best To Apply Inside The Store From Markon 2009-01-24
For those who haven't applied yet for a Macy's Card.
The best way to do it is inside the store PERIOD.
the customer service rep can verify your data/ SSN / birthday etc right away..
which means that you're going to get a higher credit limit than an online application.
and YES! Every 2-3 months, just call ( use the phone inside the store!) and they will increase your limit big time!
i started with $ 600 back in late 2006/ early 2007..
now it's already $ 5,700 and my scores are in the higher 600's.
it's a good card, especially if you shop at Macy's a lot.
Yes, the best way to apply is in-store. I applied @ a store and got a $200 CL. It wasn't high but Macys finally showed me love after applying 3 previous times and getting denied. If you have safe utilization and pay on time, every 3months is a CLI. I went from $200 to $500, then to $700 and now Im at $900. They treat you well for shopping and being a responsible consumer
Comment Title: Shouldve Couldve Wouldve From Leenzon 2009-01-25
Now that I think about it I should have just applied in store, I was too "chicken" to say YES every time I was asked to. Hearing the words "sorry you've been denied" just doesn't sound appealing to me in front of other customers waiting in line to pay for their items! Maybe I could have gotten a better CL. Anyway, do they automatically raise credit limits or do I really have to call everytime I want one?
Comment Title: Macy's Came Through From Swat253on 2009-01-29
I had a defaulted MACY'S account from way back when. I called the CS Dept. One day to make an offer to resolve the account. A very nice lady said the account was too old to resolve, but that I could re-apply over the phone. I thought it was a scam just to get my current info, but they approved me for $750 right on the spot. Haven't checked the limit lately but I use the card a lot since you get additional discounts for paying with the card.
After two months of use and PIF, they removed the dings from my credit reports!
When I applied for my mortgage, I was told I needed to close certain credit cards, for the approval to process without a hitches. This was due to me also having too much available credit. I asked for...