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Found 14 results

  1. How long did it take to complete your upgrade from the store card to the Amex? I talked to Macy's about a week ago about upgrading my store card to a Macy's American Express after a botched CLI request (I took a hard inquiry for an increase from $800 -> $1500). I was told that there was nothing in my credit profile that should prevent approval, and that it would take 7-10 days for a decision. I logged into my account as recently as two minutes ago and my account is still showing the store (red) card. What was your experience with the upgrade?
  2. MJPEREZ77


    Fellow CBers: I am in need of advice. I was just going through our Macy's account and noticed that I have a revolving balance greater than what I expected. I just charged $250 for the DW's Bday present and was preparing to PIF when I saw that they are reporting we have a balance of $800+. Now I do have a Special Event Purchase that doesn't report to Bureaus and will be PIF by due date 1/15/15 to avoid interest and every month Macy's takes the minimum pmt and disperses it between the Revolving (if there is a balance) and Special Event. I in turn make an additional second payment (as we had
  3. Being that I don't wear Revival Jeans, I am hoping if anyone can chime in on whether or not ANY of these "Higher end" store cards are worth it to get. They all have a Private or Co-branded product that you can PC to or apply for, I saw one poster saying their Nordstrom's Card (Visa Siggy) is at $55k, WOW!!!! Obviously not the norm, but I am sure there has to be some logic or advantage for some people, in acquiring or app'ing for these products. Obviously, if any were SYNC backed, I'd be all over it, lol. But I am hoping I can get your opinions on the matter. As always, thanks CB!!!
  4. If you have difficulty finding an affordable way to keep your Macy's card active... The closest Macy's to me now has a Starbucks location inside of it. It has a full menu, including hot items, unlike the grocery store kiosks. You can reload your Starbucks Card and pay for the reload using your Macy's Card. In other words, you're buying gift card credit using your department store card. In addition, you can now turn around and use your Starbucks card there to earn Stars. Previously, you could not earn Stars inside department store locations, but this has been fixed. However, you ca
  5. Check this out. I applied for a new Macy's account while trying to remove 6 old lates from them on another account. That worked and I let the dust settle in regards to Macy's and my CRs. So today, I tried to make a purchase online at Macy's, but my card didn't work. When I received my new card I was notified that my CL was $400 and that my old account had been closed. I started with the online chat explaining that I was being declined on a small purchase with my new card. Macy's called me a few moments later and told me that they needed to activate my account. Then the nice young girl tol
  6. Macy's had two 30 day lates on all 3 of my CRs. Almost 2 months ago, I wrote to Macy's with a DV style letter asking them to verify/validate the lates. After a month, I got impatient and wrote to all 3 CRAs with an enclosed copy of my letter to Macy's along with the certified mail receipt. I simply stated that Macy's hadn't responded to my letter. While on the phone with an EX CSR last week, it asked her to delete the lates from Macy's because I felt they were obsolete. She denied me by stating that they had more than a year left. Oh well. It was worth a shot. Now during this time, I have
  7. Does anyone have a copy of a settlement letter from macys they could send me?
  8. I have a MACYS charge off listed on my credit report. Trying to find the best way to get this removed. It is not reporting with any CA. Any advice? Status: Account Charged off. $283 written off. $283 Past due as of May 2012. Status Details: This account is scheduled to continue on record until Nov 2014. This item was updated from our processing of your dispute in May 2012. Date Opened: 2/2005 Date of status: 8/2008 Reported since: 2/2008 Last reported Date: 5/2012 Type: Charge Card Terms: n/a Monthly Payment: $0 Responsibility: Individual Credit Limit: n/a High Balance
  9. Dear CBers: I recently reported a Macy's Charge Off (paid in full to CA) to the CFPB as the CA told me it would be a PFD and was never deleted from any TL. I contacted Macy's first and they were no help and wouldn't even give me the name of the collection agency who handled it! This is the response I got from Macys: "I am in receipt of your complaint filed with the Consumer Financial Protection Bureau and forwarded to Macy's Executive Office on February 10, 2014. As a liaison of Macy's Executive office, I was asked to review and respond to your concerns on behalf of Department S
  10. I have a CA letter for MACYS acct. The MACYS acct reports on my credit report but the CA is not yet..... I think it is past SOL because it is due to come off Nov 2014 but I am not 100% sure. It doesn't say anywhere on the letter that the SOL has passed. I thought by law that they were required to tell me if the SOL has passed. I live in NY so the SOL is 6 years. I have no DOLD. Only states Date Opened: 2/2005, Reported Since 2/2008, Date of Status: 8/2008. It was a charge off for $283. Last reported/updated: 5/2012 (because I didnt know of this site yet and disputed online ). Per my Exper
  11. Dear All: Desperate need of help! I am new here and have spent so much time readying an learning! In the interim I have sent out dispute letters and validation letters to OC, CA and CRA. Here is where I am...(as of 1/7/14) Experian: 651 Equifax: 577 Transunion: 593 I don't know how to move forward! 1) I DV'd SEVERAL collectors (Mutual Mngmt., Firsel Law Group, Ltd [working for Jefferson Capital], and Convergent Systems [they gave it back to Verizon]) that were not appearing on my credit report. They have stopped bothering me since. 2) I sent a DV to C
  12. I settled Macy's and its reporting settled in full for less than full balance. It was only a $400 debt and I regret not paying in full. Will they count them as 2 payments and reset the clock if I pay them the remaining $200 after it has been settled and closed?
  13. Just wanted to let everyone know that they should not give up on Macys. I tried to get them to remove a couple lates last year and was told no. I called every day for the past week and somone finally said yes. I had a 30, 60, 90 120 late from 2011 and they deleted it in less than a week. They did not however removed the 30 days late in 2012 hey but Ill take what I can get for now! Dont give up!!!
  14. I spend about 4 hours a day reading this board and as usual I have another question. I came acorss the myfico site while research my charge offs. -https://www.google.com/search?q=macys+charge+off+myfico&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:official&client=firefox-a#hl=en&client=firefox-a&hs=Gef&tbo=d&rls=org.mozilla:en-US:official&q=+site:ficoforums.myfico.com+macys+charge+off+myfico&sa=X&ei=FDUTUc7ZIIiD0QGY04CwAQ&ved=0CFEQrQIwAA&bav=on.2,or.r_gc.r_pw.r_qf.&bvm=bv.42080656,d.dmQ&fp=a2506bd95db5674c&biw=1366&bih
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