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  1. #1

    Default What's the purpose of a card like Macy's anyway?

    I start to wonder what good a card like this does unless you absolutely need credit. High APR and no real savings after your initial sign up. The points will take forever to add up unless you are a shopaholic. Meantime, you could use a regular card and get the exact same benefit at a lower cost and add points. Macy's cashback % isnt the greatest you are shopping at their store.

    This is just my thought, those who have this card please share your opinions

  2. #2

    Default

    Actually, there are a few good reasons why the Macy's card is always a good card to have:

    1)Easy to get which can help build/rebuild your credit history.
    2)Easy to get CLI's and high limits which helps lower your utilization which improves your FICO scores.
    3)You don't need to deal with the high APR and you can just sockdrawer the card.

  3. #3

    Default

    If you shop at Macy's then you will have real good use for it. There are going to be a lot of cards that neither one of us are going to see a purpose on such as Tribute, Imagine, Aspire, Rewards 660...etc (you know what I mean) but there are some people who have no choice when they want to build credit.

    Macy's is a fun place to shop, I use my debit card, credit card, and their store card when I shop there. I find good use in anything that I am going to benefit from. Actually, I am in my ending of credit rebuilding stage and Macy's has really increaed my scores (along with all the rest of them). I get
    1. Great customer service when I shop and when I call customer care
    2. Special discounts when I use my card
    3. Coupons in the mail, online, and through advertisement
    4. Growth within the credit department, we don't just stick with the same card constantly
    5. Return's without being questioned down
    6. Special financing if I decide to shop higher than my limit which does not affect my scores nor credit
    7. The feeling of U-Go-Girl when I whip out the card...lol

    I guess you can just say, it is a cool card to have. If you dont shop there then I can clearly understand because this is the same thing I would say about Lowe's until I went there....lol.

  4. #4

    Default

    I totally agree, Meya. If you need to build up credit, a card for a specific store is a good way to go. You get the credit points, plus you should pick a store that you actually want to shop in. We have Macy's here and they're always offering some special discount if you have their card.

  5. #5

    Default

    I don't have a Macy's card but I'm planning on applying for it. I love shopping at Macy's. It's one of the best department stores around. They have everything at a decent price...I love the after Christmas sale as well :-)

  6. #6

    Default

    I kind of agree with LLAY but I agree more with HJM and Meya....I went to Macy's and bought $300 worth of dress pants and shirts because of a flyer I got because I am a CARDHOLDER...lol I would have never knew about this great sale unless I was a CARDHOLDER lol...I didnt pay using my gold Macys card because I wasnt getting a discount for using it this time. Instead I used my No Hassle Cashback Cap 1 Visa...I did use my macys card on some Giorgio Armani Aqua Di Gio Cologne though

  7. #7

    Default

    Instead I used my No Hassle Cashback Cap 1 Visa
    You did not have to go there! You know I really want to apply for that card right? The only thing that hold me back is that our "big boy" pulls all three and I hate that. I could probably stand for one or two on my tu and eq, but NOT on my EX!


    So how long did it take for you to get the gold card?

  8. #8

    Default

    Quote Originally Posted by 100036
    I kind of agree with LLAY but I agree more with HJM and Meya....I went to Macy's and bought $300 worth of dress pants and shirts because of a flyer I got because I am a CARDHOLDER...lol I would have never knew about this great sale unless I was a CARDHOLDER lol...I didnt pay using my gold Macys card because I wasnt getting a discount for using it this time. Instead I used my No Hassle Cashback Cap 1 Visa...I did use my macys card on some Giorgio Armani Aqua Di Gio Cologne though
    That's a really good cologne. That has women dropping dead like flies when you walk by from the great smell!


  9. #9

    Default

    And when the women pass you men wearing

    1. Beautiful
    2. Jadore'
    3. Intuition
    4. White linen
    5. Jennifer Lopez
    6. Sung
    7. Donna Karen

    You men just break your knecks and fall to your knees...lmao.

  10. #10

    Default

    Meya, that's just flat-out COLD!

  11. #11

    Default Re: What's the purpose of a card like Macy's anyway?

    Quote Originally Posted by Meya View Post
    And when the women pass you men wearing

    1. Beautiful
    2. Jadore'
    3. Intuition
    4. White linen
    5. Jennifer Lopez
    6. Sung
    7. Donna Karen

    You men just break your knecks and fall to your knees...lmao.

    You can always try Chanel's Mademoiselle or Chance.

  12. #12

    Default Re: What's the purpose of a card like Macy's anyway?

    Girl you are going to kill em dead. We are going to have men smelling our parfume as soon as they sign in to the newtwork

  13. #13

    Default Re: What's the purpose of a card like Macy's anyway?

    Not if I wear my Polo Blue first! You girls are going to be mesmerized by the smell of my Polo Blue cologne! Me and Eric stay stocked with that fresh cologne. lol

  14. #14

    Default Re: What's the purpose of a card like Macy's anyway?

    I like the smell of Juicy Couture for men and Kenneth Cole BLACK. Just don't wear too much, fellas. Then I will feel like I'm in an episode of "Growing Up Gotti" which is never a good thing.

  15. #15

    Default Re: What's the purpose of a card like Macy's anyway?

    Oh yes, and although I enjoy the smell of expensive perfumes, I just prefer "Vanilla Lace" by Victoria's Secret or The Healing Garden's "Jasmine" from Rite Aid.

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