I have the macy platinum card, after years of 100% on time payments, i missed one payment for $68, that i made on time, but was returned because i had one to many digits on my account number, and they cut my limit by 2/3! And would not restore it. If you miss one payment on yuor regular credit card they don't take such drastic action. so, its all good as long as i'm a loyal customer to them and make my payments on time every month, but as soon as I miss a payment, Macy's true colors and customer loyalty shows! i am very disappointed with this department store and i vow that i will never give them another penny. Because they don't give a sh!+ about their consumers. And if you speak to a rep, all they're gonna tell you is, the system, the system, the syems did it. there is nothing we can do. Thats bull****, somebody can do something but they choose not too, becuase Macy could care two sh!t!!!!!!!!!! My experience with American express has been phenomenal! i can say they care about their clients. I can also say the same about capital one, i am really ****ed off, i feel like a sucka, like i've been had! Is Macys a bad store card to have? NO its not, as long as you dont get jammed up, cause as soon as you do, they will **** on you hard, and you'll see your credit rating drop because macy has NOT F#*k!NG LOYALTY......................................