Macy's Credit Card

I applied for a Macys card in store hoping to get the amex card. I gave my info and got approved. When I asked how to get the amex version, the sales rep did not know and directed me to call customer service. I did, and they told me they'll submit a request to review my account for the amex version. No outcome had happened. After I finally got a brochure for the macys card, I found out that when you first apply, they already consider you for the amex. If you don't qualify, you'll just get the regular macys card unless you opted for just the macys in the first place.

Now, I am happy with the ease of applying and decision time. I'm not happy of the lack of knowledge on the workers' part. I use this card and pay in full.

At the time of application, I didn't have any open cards. But I have a $1200 limit from them.

I opened an account in Jan for a $52 balance. Had issues with paying online that I had to have one of their customer seervice reps help. However was a day late and I got charged $35 as a late fee but did not even know that until I received a call a week ago. No email or paper statements and by that time, I owed even more!!!! Worst customer service and dealings ever. No working with Macy's at all! I paid it off and closed my account. I will NEVER purchase a thing from Macy's ever again. I pity the poor souls who have a credit card with these people. Unbelievable that they even have customers after that experience. 

CK/650 EQ/680 I was approved for card around Xmas time in 2011 with a $100 limit with a score around EQ 620, made purchases on card and paid off after every month.  In Feb-2012 I called their credit department to ask for a increase, and was given a $200 limit.  I continued to use and payoff every month.  In June-2012 I again called their credit department to ask about a credit line increase, the lady on the phone asked what I need the increase for and told her to help my credit standings.  She ask for my Gross yearly income, which is around $117K a year.  Was approved for a $2500 limit!

      Been with Macy's for 6 years. Always paid balance in full and on time. Last month tried to charge $180 and denied. Nice. Paid with a Visa, and then called Credit Dept. on store phone, and they said the reason declined was that my CL was lowered from $300 to $100 due to little usage. (I only use it once or twice a year) Said they did this to all customers with inactive accounts. They did ask me if I would like to increase the CL (of course I would)----asked me to confirm address and phone #, and increased my limit to $1000. No hard pull involved.  Still left me with a bad taste in my mouth.

Worst Credit Card EVER BE CAREFUL... This card has some magic no disclosed limit. Inturn when using the card it is a mystery if it will work or not. Very bad situations are created by this expect serious problems in stores come the Holidays. Macys will be putting customers in Danger as the Holidays become close. Customer Service is rude and has no remorse for treating you like a piece of garbage. I would neer deal with these people again. MACYS NEEDS TO FIND A NEW BANK FOR IT CREDIT CARDS. ANOTHER LOST CUSTOMER .... 

They do have a "secret" credit limit.  When you go to charge something and you don't have enough available credit (the customer has no idea) and you are embarassed.  Company policy doesn't care that you are never told about a credit limit decrease.  I'd close the account but my credit rating would suffer, so I'm stuck.  I'll just pay it off and rarely, if ever, use it again.  Shame on Macy's for not caring enough about their customers.

i was approved for $100 credit limit 1 year ago with a ck of 680, $100 really? well anyways that wasnt the worst of it every time i used my card i bought items under $50, my minimum payment was always $25 but i always paid off my $50 balance, I've always kept this routine. well one visit I bought a knife set for $50. The store i bought it at was having technical problems on the computer and they duplicated my order, thus meaning they charged me for 2 $50 knife set well I always pay in store and rarely check online well that was my biggest mistake my minimum payment jumped to $100 and my balance was $121 WHAT! was my reaction after logging onto credit karma. I immedietly logged onto macys website and it confirmed i then called macys and their customer service rep were the worst reps i have ever dealt with long story short they told me it was my fault for not paying attention and that they would refund me the credit limit but i would have to still pay the $100 seeing that im 90 DAYS LATE! well now my CK score is down to 560 because of them. I always WARN anyone thinking about getting a macys card.

I've had this card for 6 years.  Always paid the bills on time, and was always in good standing with the account. 

Then one month, was late with the payment and saw that on the following month's bill.  Instead of paying it by sending a check, I wanted to take care of it right away and tried their online payment system for the first time.  Filled out the routing number, account number, double checked and everything looked fine when I submitted it.  Then a week later, I get a physical letter saying one of my checks bounced, with no information about which check.  I called customer service and they confirmed it was the online payment and said it was probably because I entered in the wrong numbers.  Probably?  Well, what numbers did I enter?  What did I get wrong?  Their system had NO INFORMATION about that.  So this smells like a giant scam at this point, if you're going to charge me $25 for a bounced check on top of the late fees for the payment, and you can't give me the proof of what I did wrong.

So now I don't trust the online payment system, so I decide to wait for the physical bill.  But guess what?  They decided to stop sending me the physical bills.  After waiting and waiting, I had to dig up the address to send my check to and included an angry letter about my experience.  No response so far.

So given my experience, I can only conclude that Departments Stores National Bank has no interest in helping customers pay bills on time.  They'd prefer to take every opportunity to squeeze fines out of you as soon as you make a mistake.  I pay 80% of my bills online and I have NEVER had such a ridiculous experience.  So I would NOT recommend this card.  The stress of this one prolonged incident, and the fact that it turned my final payment into 4 times the original fee because of the shortcomings of their own stupid system, has easily overshadowed the easy 6-year relationship I had with this card.

But even if you use this card, don't use their online payment system.

I applied online & was denied, so the next day i went inside and applied and i was approved W/ 400 CL. not bad cause i hardly shop at macys, but got 15% cash back on my items that i purchased. great card to have ..

TU: 645 EQ: 565 EX:603

Macy's credit card is another great tool to better your credit score. (debt to credit ratio) Easy approval, mediocre CL ( $500.) Try not to carry any balance with this card.