Thread: Macy's credit card review anybody?

One thing I don't like about my Macy's card is that you have to call them to find out what your credit limit is. It's not on your online acct or on your bill.

Originally Posted by meester kneel

One thing I don't like about my Macy's card is that you have to call them to find out what your credit limit is. It's not on your online acct or on your bill.

You are right, and it seems odd to me. They don't even report the CL to the CA's, I requested that to be shown and they said they are passing all the info to all the reporting agencies, but is not showing on any of my credit reports. In my case this brings my total CL's down and my UTI is skewed. I would like to know why the dont report the CL.

Wow Morsel1993, a little defensive about your credit card are you? Please keep in mind it is a known fact that store credit cards are more attainable by people with poor credit. Most people want a card that gives cash back, not coupons. From the sound of your post I can guess your credit score, low 600's??

Well, to be fair, KC95's post was a little on the harsh side too;

Originally Posted by KC95

the only point of having a store credit card is if you're trying to build up your credit record and can't qualify for a normal credit card. other than that store credit cards are an outdated fad! the reason people had them decades ago was because there was no such thing as universal charge cards that could be used everywhere. now that there are what's the point of a stupid macy's card?!

and Morsel was deffending from his uncalled and off-topic attack. I still keep my Macy's that I opened back in 2003 (it was still Goldsmith's) when I was building credit, eventhough my scores now are in the mid 700's. And thanks to this card I could jump to others. So store cards have a thumbup from me for helping people to start building credit.
Then is up to you if you use them or not, it's a free world, no?

I agree with Morsel1993. I have excellent credit and I still keep my Macy's card. As a holder, you do get the additional coupons that I do use throughout the year. I think if you use the perks, it's not an issue to have the card. Now, I applied for the Macy's card after having several other cards on my record simply for the extra discounts you get at Macy's. Just my $0.02.