Not as bad as it sounds
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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Not worth it
Mandatory APR increase regardless of how long you've been a loyal member with excellent payment history and great credit score.
not professional at all
not professional at all
Ridiculous
Never get it
Too expensive With APR increase
I have been using this card for years. They just increased the APR from 21% to 25.99%. The coupon discounts don't make this worth the fee. I won't be using my card again until they lower their APR.
25% interest rate? No Thank You!
Macy's credit cards are a joke. I rarely use mine, usually only around Christmas or if there's a big sale and I benefit from using it. But since I use it so infrequently, they've actually put a "security hold" on it before and then I have to talk to their credit department when checking out, holding up the long line behind me. Now they send me a notice saying I can either accept an interest rate increase to 24.99 % or they'll close it. Grrr...I want to close it but will doing so affect my credit rating? I don't want to negatively impact my "excellent" score.
Worhtless card
They make it difficult to pay your bill on their website and then you get slapped with a ridiculous fee. I wouldnt recommend this I only got this since they were giving a certain percent off of purchases if you open one.
add ons
after paying my full balance i get a bill in the mail 2 transaction fee. people should know of this
Fake charges, you dont want this card
They say they will remove crazy fees a then just keep putting them on!
Pain in my ........
It gave me such a bad experience that I now don't want to take any retail store card. I canceled the card because I was having trouble with their payment system. I completely paid every penny off that day but they somehow managed to charge me 2 dollors interest and kept on adding interest on interest until it was 14 dollors. Then I knew it cause my credit score was ruined. I paid it off completely , then they say I might see another 2 dollor interest charge next month. I had to set up automatic payment for them to charge me every month to have them go away. It felt like I was dealing with cancer.
Terrible!
I cancelled my Macy's card because it's such a scam. They charge a monthly fee even if you pay off your entire balance on time! $2 per month, but it adds up. Customer service was not helpful, and it took 2 attempts to cancel this card -after I got another $2 bill, I was like - what the heck? To me, these types of fees are so greedy and deter customers from using their Macy's card. It has really turned me off to Macy's in general-I used to be a regular shopper, but I just don't bother shopping there anymore.