Great card if you pay it off monthly!
I've been a card holder for 5+ years. They have consistenly raised my credit limit (now at 6k), and are always sending coupons to be used at Macy's. You can usually always get an extra 10-15% off everything just by using the card. I pay the card in full each month (except for a few times over the years) and they have rewarded me consistently with CLIs. You can pay your bill in-store, online or by mail.
Pro Tip: Open the card when you are making a furniture purchase. This will get you the biggest bonus bang for your buck!
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Interest charge on $0
Like everyone else has been saying, they put that $2.00 charge on your card even after a balance of $0. I sent a message via their website, but excpect a robotic response and will be calling to cancel today before they tack on their "late fee" to their $2.00 scam charge.
Interest charge on $0
Like everyone else has been saying, they put that $2.00 charge on your card even after a balance of $0. I sent a message via their website, but excpect a robotic response and will be calling to cancel today before they tack on their "late fee" to their $2.00 scam charge.
Not worth it
Use reward credit cards for the money you spent and very bad customer service. They reduced my limit to 300 because I missed one payment. I was going through family problems and forgot to make a payment. I was with them for 5 years with perfect payment history but they didn't appreciate me as loyal customer. I have credit cards with 15000 limit, it was insulting for them to take me down to 300.
this card can ruin your fido score
Bought furniture at macys and opened this card for on my wife's name - as a result her credit score dived from 760 to 716. Had to repay right away that stupid card, really wish to close it but not now since it may hit her score even worse. Stay away from this card.
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.