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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 problems in the past making one large lump sum payment and not having it applied as we were told it would be) to pay down the Revolving. DW carried a balance for 3 months, which is 1 month longer than it should have been based on the payment I made. Is there any recourse I can take with Macy's as I have been told repeatedly that ANY extra payment will be applied towards the balance being charged interest and NOT the interest free purchase account. I.E. is there any part of the Consumer Protection Act or FCRA that may apply to this situation?
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!!!
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 cannot redeem rewards at these locations.
Of course, you could also just buy coffee, tea, or a snack directly with your Macy's Card, but that's less rewarding...but it's tastier than the infamous bottle of water or godiva chocolate bar some use.
By The Destroyer
I just got a Midland tradeline deleted from my credit reports.
I first submitted a DV and Midland quickly validated (the debt was legit). I called Midland to settle* -- I offered to pay in full ($200) if Midland agreed to delete the tradeline from my 3 credit reports. They refused, saying they would only update the tradeline to paid in full.
I ended up walking into a brick and mortar T-Mobile store and asking to check on the status of an old account I had with them. The T-Mobile agent told me the account had been sold to a CA, but I asked if he could call customer service and see if I could pay the account right there in full. After a quick call, corporate agreed, and I walked out with a paid in full receipt showing my account number, phone number, address, and name on the account.
I faxed a letter and receipt to Midland disputing the charges as already paid in full to T-Mobile and demanding they delete the their three reported negative tradelines from my credit report.
I was denied via mail.
I called Midland and asked them to explain the denial. I again explained my dispute verbally. After a few minutes on hold, Midland's customer service representative told me they agreed with my dispute and were going to be deleting the tradelines.
The entire process took 15 days.
A few takeaways: I read tons of horror stories about Midland on these boards. If you can afford it, I think (when trying to delete T-Mobile related tradelines with Midlands) this method is the easiest way to do it. After Midland agreed to delete, I filed a dispute with the three CRA and it speeds up the process of the change showing up on your credit report.
*Many people say not to call their consumer support, but if you let them know you are recording the conversation and you're knowledgable about your FCRA rights, I have always found disputing faster via phone.
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 told me that I had a CL of $800. WOW! What a friend. But I was already prepared for this.
I told the CSR that I had been looking at a sectional and it was on sale for $2000K and would it be possible to make this happen today. She put me on hold. Then she came back on the phone and said that I now had a CL of $2500K. BAHAHAHAHAHAHAHAHA! I make myself laugh. Now for a drink in celebration.
*insert sound of Grey Goose being poured over ice*