Yes, the Macy’s Store Card will do a hard pull . You will need a credit score of 640+ to get it. This means that the Macy’s Store Card requires fair credit, which is on par with what most store cards require.
This of course begs the query “How do I qualify for the Macy’s American Express card?”
One way to consider this is – In order to qualify for the Macy’s American Express Card, you will need to meet an annual spending amount in addition to proving credit worthiness. This means that you still have to qualify for an American Express card just like you would with any other Am , and ex.
The Verdict: Macy’s offers two credit cards — an Amex and a store card — but you won’t be able to apply for either Macy’s credit card specifically . You simply have to submit an application for a Macy’s credit card and let the cards’ issuer decide if you can be trusted to make non-Macy’s charges.
The answer is i applied at the store and got approved $600 . My EQ score was 680. I applied online and got a $100 credit line. Given that I sometimes make large purchases in Macys, I could have used a larger limit.
What credit score do you need to get a credit card?
Most so-called “prime” and “superprime” credit cards are only available to applicants with credit scores of 750 or better . These include most American Express, Chase, and Bank of America credit cards. Even with good credit, there are other reasons you might still be declined – like too much overall debt or even just one recent late payment.
What’s the difference between the Macy’s store card and Macy’s credit card?
You see, the Macy’s Credit Card requires better credit for approval than the Macy’s Store Card, but it also offers better ongoing perks that ensure your plastic will be rewarding beyond the first purchase, even if you use it only at Macy’s.
Another reason you may want the Macy’s store card, is they have been known to approve those with bad credit . If you are trying to build your credit or repair your credit and haven’t been able to get approved for a standard credit card, you may want to try a store card such as Macy’s.
You can pay your bill with cash, check, debit card, or money order at a register in any Macy’s store. At this time, debit cards are only accepted as payment in store . How do I add my card to my Macy’s Wallet?
The answer is that new Account Discount: Subject to credit approval . The new Credit Card discount (the “Discount”) is valid on merchandise purchases made at Macy’s, Macy’s Backstage and macys. Com the day you are approved and the following day and charged on your new Macy’s Credit Card. The Discount is limited to a total of $100 over the two days.
Can I get furniture with Macys credit card 12-month financing?
Donot ever get furniture with Macys Credit Card 12-month financing. When they offered 12-month financing with no interest , it sounded a pretty good deal but what happened was my credit score dropped by 65 points in just 1 month. Even a new home mortgage didnot drop so much points. It looks like my credit utilisation went from 2,3% to 20%.