The application process was painless and quick. It was right around Christmas time (Dec 2015) when I finally decided to apply. My credit score then was around 650 to 660. They instantly approved me for $800 CL. One hard inquiry showed up on my Equifax. I haven't had any issues whatsoever. I have enjoyed all the benefits and making payments either online or at the store have been very easy. Yesterday which is only about 4 months later, I called them and wanted to check and see if I can get a credit line increase. They ask how much do I want and I said $2200. I wanted to buy some outdoor furniture. They instantly approved me and they said they didn't have to do any hard inquiry. True to their word there is no hard inquiry and my outdoor furniture is on it's way. Thank you Macy's.
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Most Helpful Negative Review
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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