I was very hesitant to apply especially with my credit being at a 591 transunion and a 588 equifax. I applied online and was told that I needed to call and provide more information. I definitely thought it was a denial so I let it go a day or two. By day three I decided to call back. The lady over over the phone asked me two questions and I answered them it was pertaining to my phone number and she also asked about my social security number and after that there was a short pause in the conversation. She said after about two mins of silence there were able to approve me for a credit line of $300.
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Paid off the card in full, just prior to that my email was hacked could not be accessed or recovered by anyone. Since I received paperless statements to that account, it was out of sight out of mind. Macy's/Citi charges residual interest...A VERY DECEPTIVE PRACTICE! So although I paid the card off a small interest amount was charged. Since I though the account was paid off and did not receive my statements, I thought all was well. Still no problem at this point. HOWEVER after 120 days, 120 in late fees and reporting to the credit bureaus, they finally called me! All other accounts and cards I have call me at the 30 day late mark if there was a mistake. If it is not a law it should be. THEY ADMIT IT WAS THEIR FAULT AND REMOVED ALL FEES AND REMOVED 60 DAYS OF THE 2 CREDIT REPORTS AND 30 DAYS OF EXPERIAN, EVEN THOUGH THE APOLOGIZED AND PROMISED TO REMOVE IT COMPLETELY DUE TO NOT NOTIFYING ME PROPERLY! I had never heard of this practice before, but it is regarded as a tricky tactic to screw people into late fee's. I will never trust Citi nor shop at Macy's/Bloomingdales ever. I hope you don't either.
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