I would like to know the answer too. Anyone here know what is the answer to that question. I'll do some Googling and get back to you if I find an good answer. You should email the people at Discover Card as they probably could assist you..

Congrats!! macy's is one of the absolute best for building and growth, I love 'em!..

After a year with them, PIF, and 100+ FICO points and 5 less derogs,.

These clowns snatched back a +$100 CLI dropping me back to $100 CL..

After calling exec CSRs and raising hell, they graciously reinstated my $200..

They have 12 more months in the sock drawer to come off the CLIs or.

Macys can join the few, the proud, the closed $200 flippin accounts...

Jaw dropping how dirty reports/ risky profile seems to be license to 'shot call' with major issuers.

FWIW, some with strings of baddies are denied for the card outright, I'd consider myself lucky, but that's just me...

OP Did you rehab with a CA or with Macy's directly? What did you have in writing that said they would re-instate?..

I made a small purchase today on the card to verify it works and worked like a charm.

Like the promised the credit limit was the same amount that I paid them. wonder if I over paid them would they have set the limit to that.

On top of that they changed my Experian and Equifax report to All OKs!!! Dating back to December '07. Last derog on that tradeline was NOV '07. Bummed out that they didn't do it for Transunion. BUT that was never part of the agreement. I consider that as a bonus Christmas gift!!.

I rehabbed with both Macys directly and CA..

CA sent the offer in writing, I also called Macys directly and they acknowledged the rehab offer that was sent but was sending payments directly to Macys until they screwed me over and said I paid them like 12 bucks when I sent in 30-40 bucks (don't remember exact amount) so I forwarded the money directly to the CA and made copies of proof of the amount I paid Macys and the CA nicely corrected the remaining balance. So keep records of every payment you make!. Even Original Creditors and be sneezy..

I did keep the paper that was sent that stated the rehab..

Mind you I didn't pay all at once but did a payment agreement that I created. I just started sending in 20 bucks every 2 weeks, towards the end I increased it to 40 every two weeks til paid. Macys pulled my credit and apparently the same day the pulled was the same day the account was opened, card created and mailed out :-D..

Funny thing is the new limit is higher than my old one lol.

Oh and according to the rep at the store, If you don't use it for a bit, they temporarily deactivate it and will need to call in or give the rep your license to "re-activate" it so you can use it again. must be a new thing as I dont remember that when I first had the card..

Hope this helps!..

I got approved for a macy's card two months ago, I haven't used it yet, I might just go make a small purchase so many I'll get a auto increase after 4 months.. My limit is also low only $300 I'll buy something small wait a while if no increase in a year I'll cancel it, It is one of my lowest cards....

Shoot walmart gave me a $800 limit, I got denied twice in the past years, finally approved, even had the 7-10 letter so I thought I for sure got denied, I've charged over $1200 on it, owe $400 I wonder how much my limit increase will be, I hear they do it auto every 4 months, but I've seen a ton of people with low limits only like $175 ....

With you saying you havent used the card yet, I'm assuimg you did but ill still ask, did you apply online?.

This post has been edited by.

Taylinth.

: 31 December 2009 - 08:58 AM..

I am happy for you!! many here have rehabbed their old Macy's, Jordan Marsh, Bloomingdale's etc,. acct. The age of the accts is a plus too. TU will eventually catch up. I got another guideline increase today!!!..

I just used it today, they had good sales, plus I got off 10% for first purchase and had a 20% off coupon, I got $120 in sweaters for $35, great deal!.

We will see if I get a auto increase after 4 months!.

Yes I applied online, and I was instantly approved, now before I had like 3 credit cards, no store cards, now I'm packed with over 12 new cards... my score is TU 614, was at 633 before all these apps, went to 600 and in the past two months it's jumped a ton.. I hope to hit 650 by next month or two!..

Online apps are purposely set at a low GuideLine for security reasons... There are many threads out there on the "whys" but here is a quote from BubbaG (another MCCS employee (no idea where he went tho)) rather than me typing it all out..

What you can do if you like is call in and ask to speak to a Credit Granting supervisor. (insist on this) Ask them to review your CBR to possibly recieve a higher GL. Simply explain that all your other cards are set at a much higher limit and would like to have Macys set a more reasonable/comparable limit so you can get use out of it..

This post has been edited by.

Taylinth.

: 04 January 2010 - 01:48 PM..

I considered Barlcays approving me for $1500 lucky, I considered my local CU granting.

Me $1000 CL after 16 months lucky..

I do not consider Macys holding me @ $200 for 12 months with no change in sight lucky..

YMMV and I certainly hope it does vary from my experience...

This post has been edited by.

Sonicanatidae.

: 04 January 2010 - 01:48 PM..

Im sorry for your experience but it is well known that an "actual bank" and a department store card and handled & granted credit very differently. Your score is "ok" but it's the baddies that are holding you back..

My personal scores are in the mid 700's but BOA tried to CLD me due to high util. Macys wouldnt be far behind (being an employee makes no real bearing on their decision) and with me they can withdraw payment straight out of my check if I dont keep the account current (this is something that was signed when the account was opened, all employees are expected to keep their account in good standings). Though to be honest Ive never heard of that actually happening..

Do any of those baddies happen to be a macys, bloomingdales or any of the dept. stores we have bought out over the years?? Just curious...

Oh and they re-opened my account with a credit limit of $409 (through the rehab).

Up from 109 bucks from 300..

494 CCT FAKO..

That is awesome, Soccrstar. Congrats on the rehab, baddies removed and higher CL!..

My derogs consist of:.

2 Medicals totalling $500 (3 years old) and soon to be removed via WHYCHATs method..

2 Student Loans (4 entries) 3+ years old, PAID.

1 HSBC PAID after chargeoff from 2003 (dropping this year).

1 MCM PAID CA (the HSBC entry, also from 2003 and dropping this year).

Thats on my worst report. On the one Macys pulls, the medicals are gone,.

The HSBC is gone..

Thats whats crazy about it. Barclays granted me a $1500 CL on opening, but.

Macys CLDed me down from $200 to $100 in Oct. After contacting exec CSRs.

The account was re-instated at the original towering $200 limit..

After 12 months w/ Macys, 12 revolving accounts, 1 autoloan and all of it.

With perfect history. Most recent derog is 3 years ago..

Macys has every right to grant or deny credit and it's just business..

Just like me looking at my Macy's account with a $200 limit, when I have.

$15K in tradelines and building, the choice was clear..

That and I opened the account online, meaning I'm automatically.

A criminal in their eyes, so really, what would be the point of keeping.

That garbage open?.

I realize I'm not Capt. 800 FICOs, but if $200 is the best Macys can do, then.

I truly dont need them in my credit porfolio. I'll stick with cards that actually.

Grow with me, rather than ones like Macys that CLD $200 limits down to $100.

For no apparent reason that I or they can discern..

This post has been edited by.

Sonicanatidae.

: 04 January 2010 - 05:22 PM..

Update:.

Pulled CCT report and MAcys is Reporting on Experian!!!! Took 3 weeks to show up on report.

409 CL.

50 bucks balance with a 5 dollar monthly payment hehe..

Funny how CCTs FAKO stayed at 494. that thing haven't budged in who knows when. Hopefully it shows on TU and EQ within 3 days. I get a new quarterly report on 1/8/10. current TU Ficos 513. hopefully it'll go up...

Another Update:.

CCT FakOs are all Above 500 as of today, all thanks to Macys :-D!!.

Macys hit TU and EQ today..

506 EX, 503 EQ, 508 TU :-D.

Just in time as my quarterly report is popping up on the 8th.

Downside is my rent is going up 75 a month :-(..

Yay! Congrats OP. I hope Macy's treats you as well as they've treated meI started with a $300 CL and now have a CL more than 10x my original..

Hope this is the beginning of a great credit year for you!..