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Found 3 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. mrage

    FICO Fun!

    I've got a question for the FICO gurus here. The essential question is a store card vs. major card question, and whether utilization factors in differently for one than another... or if I was just rebucketed. Now, the long version - I have a young, thin, clean TU file. I have 5 revolving accounts, but 2 opened last month have not reported to TU and neither resulted in TU inq's, so for our purposes, I have 3 revolvers: CapOne QS1 opened 4/14 Barclays Rewards opened 8/14 Walmart store card opened 8/14 My October Walmart TU08 FICO, which was purported to have been pulled Oct. 1, was 716, with following utilization: CapOne 0% Barclays 23% Walmart 0% ------------------ Overall Uti: 12% I decided this month I would let Walmart report a tiny balance and zero out the rest and see what my current max possible FICO is: CapOne 0% Barclays 0% Walmart <1% ($5 balance) --------------------------------- Overall Uti: <1% Result: November Walmart TU08 FICO of 710 I expected it would go up, but it went down. So, is there some wrinkle in the utilization scoring that prefers you have that one small balance on a major revolver instead of store card, or did I perhaps get rebucketed for my oldest account hitting 6 months? I'm guessing the latter, but I must defer to the experts.
  3. So I was trying out the 'shopping cart trick' to see which ones would offer me a pre-approval at checkout. I have not accepted any yet. On Victoria's Secret, the pre-approval was $500. On OneStopPlus, the pre-approval was $750. I would have thought since all were based on soft-pulls and all are issued by same bank, the limits would be the same? I can understand a higher opening limit if I was looking at Value City Furniture or maybe Sportsmens, as they sell so many large ticket items. I will definitely go for the Victoria's Secret I think, as that would be one I could really use. But I would really like to add another. I do not have any other store cards. What sort of credit limits have people received at the various Comenity stores when pre-approved during the shopping cart? Advice on where I should try? Thanks!
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