"Better Clis?"

Macy's Credit Card® Review
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Written by: debtor00 on 2008-03-26

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debtor00's review: Any advise or special phone numbers on getting decent cli's on this card? I call and keep getting 100 bucks at a time? I started with 400 and now I'm up to 600. I've had it about a year and have used it enough to have gold card status and I have kept it paid off most of the time. How do I get some love?

9 Comments

Comment 1 by sethatco
How To Get Love on 2008-03-26

Citi and DSNB have made it much harder to get large CL. You can get one every 3 months. If you want a large CL you can talk to the credit department but they will pull a fresh CR which is another inquiry. I suggest you keep the balance low, pay the card off each month. After a year and a rise in FICO you will get a decent raise or better yet a conversion from store card to Visa.
Comment 2 by wildrage2
Not Consistant on 2008-03-26

It's funny, because I got a Macy's card and a Bloomingdale's card on the same day. The Macy's card came with a $100 CL and the Bloomingdales with a $1,000 CL. They are both the same company and both through Citi... I wish it was the other way around, as I shop at Macy's much more than I shop at Bloomingdales...
Comment 3 by sethatco
Think About It on 2008-03-26

Macys is less expensive then Bloomies so you could buy a shirt or pants at Macys for 100 but its double and triple that so they had to give you a higher CL. Every 3 months you can get a CLI from both.
Comment 4 by meya
Well on 2008-03-26

I have received only $100 bucks too, but I am about to get on the phone and push at least $1500. I will not quit until I get it. The first thing they ask is, "are you planning on purchasing a large amount for furniture?" Then they want to offer you this second line of credit that will close once you pay it off.

Well I got knews for you Macy's, "You did not worry about me purchasing YOUR furniture when I applied for the credit and paid my bills on-time." I want my decent cli!
Comment 5 by debtor00
I Think I Will Wait on 2008-03-26

Thanks for the advice guys. I think I will try to make it until next year. It's not like my score will rise much anyway until these inquiries fade away. Next January, I'm calling macy's and I'm not hanging up until I get an upgrade to Visa!
Comment 6 by meya
Woe on 2008-03-26

You are talking big things now. Let me know if you werer granted the VISA Macy's card.
Comment 7 by rockin35
From Macys To Macys Visa on 2008-04-04

Hi Debtor00,

I have been a Macys card holder since I was in college over 10 years ago. When I began working for them 3 years ago, I called the 866# and asked to upgrade to the Visa which did require a hard hit inquiry. I was approved. As a former employee, you can go into the Macys Store up to Customer Service and they will put you on the line with a Credit Dept. Rep whom should give you an increase every 3 months granted you've paid on time and have no late payments in the past 6 months. I just called today on my Visa side, and got increased $1000, now my limit is $6000 on the VIsa side and $13000 on the in store Macys Revolving side. The card is issued by DSNB (Department Store National Bank), and they are very generous once you get the first card. As of right now 04/04/08, they don't require a soft/hard hit on your credit to increase your line. Which is a great thing for me!!! Try again in October of this year and you should be fine.

Sheila
Comment 8 by hjm331
RE: Rockin on 2008-04-04

I have had a regular Macy's card for about 5 months now and I'm trying to upgrade to a Macy's Visa but I haven't been heavily shopping for apparel recently so apparently I haven't been using my Macy's card heavily. I've about 3 gift cards for about $120 so far and have paid both of those off in full. I don't have any late payments, never gone over the limit, and currently possess a $800 CL.

Any advice on how to get the Macy's Visa? I probably will use the card more if they sent me a VISA.
Comment 9 by colonative
Why Do You Want The Visa? on 2008-08-09

I opened a Macy's in September 2007. I just wanted the retail card but aparently they gave me both a Visa (a card I received) and a separate retail account tied to the Visa (you don't actually get a retail card). So Macy's basically opened two new tradelines on my bureau with two separate lines of credit. $10,000 for the Visa and $2,000 for the retail. When you use your Macy's Visa at Macy's those charges go to the retail account and you get a separate bill. That is the stupidest thing I have ever heard of. So I closed the Visa and had it deleted from my bureau. I just don't understand why anybody would want the Visa! It has a terrible interest rate and it results in having two Macy's tradelines on your bureau. The only benefit of the Visa is that once you hit at least Gold status you can earn Macy's rewards on outside purchases.

I am also surprised at some of the credit limits you all are talking about. $100 at Macy's? Are they serious? How can you really buy anything with $100 at Macy's?? I actually review credit reports at my job and I have seen these small limits but I thought it was an error!

My advice, don't be in such a hurry to get limit increases. Obviously $100 is pure stupidity and they should be shot for that, but $500 is a good limit and you can make that work for a few years, by that time they should have already increased the limit automatically or you can call, and if they don't raise it (you should have at least good credit people) then threaten to close the account and see if that lights a fire under their butts.
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