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Credit Score Requirements and Credit Lines Feedback: Macys Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

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Credit Score: 0 Credit Limit: 0 Age: 55-64
Approved after Bankruptcy
Posted 02/08 2025
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating



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Credit Score: 0 Credit Limit: 0 Age: 65+
Posted 02/03 2025
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
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Credit Score: 733 Credit Limit: 100 Age: 45-54
Approved Never after Bankruptcy
Posted 06/13 2022
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
I had 2 credit cards scammed back in 2016 and I have a 733 credit score and Macy's brought my Macys credit card limit from 3600 to 100.00 and 6 years later they still wont increase my card yet I spent 1,000.00 on my AMEX at their store the other day. Their products are nice but their credit dept. is rude and they suck!
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 12/20 2021
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
My credit score is 738 and Macys will not approve me. Over 10 years ago I filed for bankruptcy. Its no longer in my credit report.

Other dept stores have approved me.

I feel Macys is being unfair inspite of my credit score.
 
Credit Score: 624 Credit Limit: 5800 Age: 45-54
Posted 07/11 2021
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I was quite surprised with this card. Applied at the store and was approved for the amex card with a $5800.00 limit. Had high utilization at application. Will pay everything down under 30% and will ask for an increase.
 
Credit Score: 810 Credit Limit: 19 Age: 55-64
Posted 07/04 2021
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I love shopping at Macy's and haven't encountered the problems referenced by others. I like that Macy's stand behind their products and you can return an item for any reason! In fact, Macy's Customer Service has been great the times I had to call.
 
Credit Score: 810 Credit Limit: 19500 Age: 55-64
Posted 07/04 2021
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I love shopping at Macy's and haven't encountered the problems referenced by others. I like that Macy's stand behind their products and you can return an item for any reason! In fact, Macy's Customer Service has been great the times I had to call.
 
Credit Score: 710 Credit Limit: 2000 Age: 65+
Posted 06/21 2021
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I had a Macy's account before they even issued cards. I have shopped in a store, by telephone and in more recent years online. Never ever had a problem of any kind. Returns are easy if necessary and almost immediately credited to your account. I have the Macy's AMEX card now which I upgraded from the store card that I used for years. If you carry a balance on your card the interest rates are high but I normally pay mine when due or within 90 days so that is not an issue. Overall I love this store and always have. Since I no longer live near a physical location the card makes it easy to shop plus the rewards are decent too and you get special offers on a regular basis.
 
Credit Score: 700 Credit Limit: 3900 Age: 25-34
Approved 5 after Bankruptcy
Posted 09/17 2020
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I love this card! Once I found out you can request a credit increase every 30 days I've been more in love...lol. I first had the store credit card and then after some months they automatically upgraded me to the Macy's American Express. That card helped me out with my car repairs due to the credit limit they offered me at $1200. Just make your payments on time and they treat you right. I pay off the card the month I use it. You just have to be smart about your credit.
 
Credit Score: 600 Credit Limit: 1200 Age: 45-54
Posted 03/18 2020
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
My limit was 1200 payed it off and they lowered it to five hundred dollars, I told them to close it and I'll never shop Macy's ever again
 
Credit Score: 1200 Credit Limit: 1200 Age: 35-44
Posted 12/05 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
Exelent
 
Credit Score: 735 Credit Limit: 9800 Age: 25-34
Posted 11/23 2019
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
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%. It dropped so much in 1 month. Building a credit takes a long time. 12-month financing is a pretty bad deal for Credit.

Super Annoyed
 
Credit Score: 824 Credit Limit: 9200 Age: 35-44
Posted 07/02 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I got this card only to help build my credit score quickly. This card is an excelent and one of the best ways to build your credit if used properly. It is a revolving line of credit which actually lets you submit for credit line increases very easily online. I bumped up my credit line every month or so by 2k and once 5k. Pay it off early, don't use up more than 10 percent of the credit available and you can increase your credit score pretty quickly. Its called maintaining a good credit to debt ratio.
 
Credit Score: 600 Credit Limit: 1500 Age: 45-54
Posted 06/27 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
Trying to rebuild my credit, started with a 300 CL ,a year later I'm at 1500. I love my Macy's card.
 
Credit Score: 780 Credit Limit: 2700 Age: 45-54
Posted 05/17 2019
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Stay Oway
Worst card ever!!! Avoid it if you can!!! they report for late payment of $1!!!!!
After being a Macy's card member holder for a past 20 years by a mestake i make a payment of $3.00 short, not even realizing that.Ihave called them and, and THEY PROMISED ME to take care of the preoblem.They lie!!!.
They report late payment to a credit bureau, and my credit score change from 820 to 780.
After 20 years i'm pulling this card from my wallet.They don't deserve good customers and they are not loyal.
 
Credit Score: 700 Credit Limit: 7000 Age: 35-44
Posted 05/17 2019
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
I have had this card for a year. I have used it, paid it off, used it paid it off. Actually my card has been at a 0 balance for the past few months. Recently they lowered it to $300 because I made some purchases (RV and Auto) which lowered my score. Very rude customer services. Oh BTW, in 30 years I have never had this happen. I also have AMEX cards that are double what Macy's was giving me through AMEX so I call BS on everything.
 
Credit Score: 0 Credit Limit: 0 Age: 35-44
Approved after Bankruptcy
Posted 05/11 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I was not approved to get Macy’s card because my credit score is 651 WTF is wrong with Macy’s company .. but after my bankruptcy I got other cards approved... I’m trying to rebuild my credit but Macy’s they don’t give you any opportunity with the credit cards. 😡😡😡.. I love Macy’s but they are fucking rude .
 
Credit Score: 0 Credit Limit: 0 Age: 45-54
Posted 04/08 2019
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Just applied online and was approved but don't know how much im approved for....Customer service said...you were approved and you will receive your card and letter in 7-10 days.why didn't she tell me how much i was approved for???
 
Credit Score: 689 Credit Limit: 800 Age: 35-44
Posted 03/23 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
In the process of rebuilding credit. I have 4 credit cards, 2 of those are with First Premier in which I used to rebuild credit and of course Capital One. The other is through a bank and neither of them have high credit limits. I pay each bill on time each month plus I make an additional payment on each card each month. I've always wanted a Macy's card because of the benefits. I only plan to use it very rarely and specifically for the discounts and pay the balance off within 25 - 60 days.
 
Credit Score: 650 Credit Limit: 0 Age: 65+
Posted 11/19 2018
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
after reading all of this I changed my mind but macys has on here that you must have a 591 credit score to apply my question is why are you turning people down Why......
 
Credit Score: 650 Credit Limit: 2 Age: 55-64
Approved 7 years this November after Bankruptcy
Posted 08/21 2018
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I started out with a $250 limit 6 months ago. Just received an increase to $2,000. Major smiles over here.
 
Credit Score: 0 Credit Limit: 600 Age: 55-64
Posted 08/20 2018
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I applied in store about three weeks ago and was approved for a $600 limit. I will ask for an increase in November or December.
I have about 6 inquires and was still approved.
 
Credit Score: 0 Credit Limit: 600 Age: 55-64
Posted 08/20 2018
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I applied in store about three weeks ago and was approved for a $600 limit. I will ask for an increase in November or December.
I have about 6 inquires and was still approved.
 
Credit Score: 600 Credit Limit: 200 Age: 45-54
Approved 7 years ago after Bankruptcy
Posted 06/26 2018
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Transunion 602
equifax 599

im trying to built up my crdit
 
Credit Score: 670 Credit Limit: 100 Age: 35-44
Posted 09/18 2017
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Extremely stingy with CL and CLI no matter what your score is or your payment history. I don't recommend this card at all.
 
Credit Score: 770 Credit Limit: 20 Age: 45-54
Posted 06/19 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Credit Score between +770. I like the card. I started off with a $10k CL but I called every few months and they increased the limit with no hard credit pulls. My experience with the credit card customer service has been very good.

I have the the store card $20k CL and the Macys Amex $25k CL.

They send lots of coupons monthly for both cards. Coupons are helpful but exclude a lot of items.

 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 05/29 2017
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
STAY AWAY FROM THIS FAKE AMERICAN EXPRESS! THEY ARE NOT AMERICAN EXPRESS!!! THEY CHARGED ME $2000 WHILE THE MARCGANT SAYS THE CHARGE HAS TO BE REMOBVED....!!!

Macys Company is so irresponsible and unprofessional in its credit card services and also tricky to fool people like me to use their macys cards in different places while this company never provides a decent support and customer service to them. When this credit card was suggested to me by one of the agents at one of your stores, they lied to me and fooled me by saying that the card I was going to receive was an Amex credit card which is %100 false because there is no card by this name in the American express official website. It seems to me that Macys has just paid an amount of money to American Express to get the permission to put that logo but your customers should know that this card is no way considered an Amex Card. In fact, I have put my trust in American Express NOT Macys but your people tricked me in the store. Now I can vividly see the difference between the card that I had expected to receive and the actual card that I am holding . I got ripped off by this company but not being able to remove a charge of $2000 that google adwords stole from me while promising that they would reverse the charge within a week in December 2016 but it never happened until this moment. And now after 6 months from the date that opened a dispute on that amount, Macys credit card company sent me a letter that I would be held responsible to pay $2070 including the original amount plus interest on it ! THAT IS RIDICULOUS! STAY AWAY MACYS COMPANY!!!!
 
Credit Score: 680 Credit Limit: 2000 Age: 45-54
Posted 05/03 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I love the red card! I can call every 2 months and they have no problem with giving me a CLI. I opened this card on 11/15 with only $100 available credit and a 721 TU score which was a surprise. But the increases paid off well with on time payments and paying more than the minimum payment. Remember! Always keep a small balance if you want that nice CLI.
 
Credit Score: 670 Credit Limit: 0 Age: 35-44
Posted 01/02 2017
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
They closed out my account five times without my consent citing a lack.of use or low fico score. The ironic part is that my credit has never been more then 700. They originalky gave me $700 in cl. Over the yrs they declined the limit to $100. Mind you Ive made several pos/ charge transactions. Paid on time and took no more then 3 months to pay off entirety. Im still being denied increase 3 yrs later. I may just close it. The rep states its both internal and external factors that are preventing an increase. Yet my mother has over $50k in medical debt a fico as low as mine and has a combination total credit of $4K with 4 cards one being a bank card. However she doesnt live in CA where she was denied often prior to moving to NV where she obtained her current credit with no issue. I wonder if the credit bureaus score differently based on the state you live in since cost of living may or may not be higher or lower?
 
Credit Score: 601 Credit Limit: 601 Age: 55-64
Posted 12/31 2016
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
601
 
Credit Score: 826 Credit Limit: 0 Age: 55-64
Posted 12/26 2016
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
High credit score of 826, bought new car last year, paid it off in 6 months, bought a new home paid it off in 3 years. I was Declined a Macys Credit Card. I was so upset I got all my last purchases for Christmas 2016 valued at over $875.00 and returned them when I got the letter declining my Macys Credit Card. will never shop at Macys again.
 
Credit Score: 602 Credit Limit: 0 Age: 18-24
Posted 12/17 2016
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
im 20 years old and my score is 602, i believe my score its pretty good for my age
but i got declined for a macys card so im kind of disappointed at my self lol i just want my score to be at 800 :(
 
Credit Score: 602 Credit Limit: 0 Age: 18-24
Posted 12/17 2016
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
im 20 years old and my score is 602, i believe my score its pretty good for my age
but i got declined for a macys card so im kind of disappointed at my self lol i just want my score to be at 800 :(
 
Credit Score: 0 Credit Limit: 2000 Age: 35-44
Posted 12/08 2016
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
 
Credit Score: 775 Credit Limit: 7500 Age: 45-54
Posted 10/17 2016
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I didn't want another card, but I was buying $500 of stuff and I scored 20% off with card, plus 25% more for donating $5, or without the donation, would get another 20% credit on my statement. Items were not eligible for coupons.
 
Credit Score: 767 Credit Limit: 0 Age: 45-54
Posted 08/17 2016
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Applied over the phone with Macy's Furniture and the sales guy was told more information was needed. Have to wait two weeks to be notified by mail. Income is over $200K. I called customer service, and they were very helpful and nice even though I didn't have a reference number so they had no idea who I was.
 
Credit Score: 646 Credit Limit: 600 Age: 45-54
Posted 05/15 2016
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I was hesitant about applying for fear I wouldn't get approved and get another ding on my credit history for even trying. I read the reviews here and saw a few people had a credi score less than mine so I went in to the store and applied. Very happy I did! Macy's is one of my favorite stores so this is awesome! Also they were having a 20% off for cardholders and if you gave a 3.00 donation for Veterans you hit an additional 25% off! I racked up!!!
 
Credit Score: 646 Credit Limit: 600 Age: 45-54
Posted 05/15 2016
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I was hesitant about applying for fear I wouldn't get approved and get another ding on my credit history for even trying. I read the reviews here and saw a few people had a credi score less than mine so I went in to the store and applied. Very happy I did! Macy's is one of my favorite stores so this is awesome! Also they were having a 20% off for cardholders and if you gave a 3.00 donation for Veterans you hit an additional 25% off! I racked up!!!
 
Credit Score: 720 Credit Limit: 6200 Age: 35-44
Posted 05/15 2016
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I apply today at the store and I got 6200$ Macy's Amex
 
Credit Score: 5 Credit Limit: 0 Age: 25-34
Posted 04/28 2016
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
I would suggest not to get this card as this card will mess ur credit scores and you will not get any loan.we closed macy's card and then also they were continuosly charging us late fees without even intimating us and our credit score went down. And now there is no one to help us,totally helpless as we were going to buy new house because of this card now we can't.Customer care is horrible.

Macy's stores should be closed they just ruin people life.
 
Credit Score: 635 Credit Limit: 635 Age: 45-54
Posted 04/02 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
635
 
Credit Score: 686 Credit Limit: 7800 Age: 35-44
Posted 02/25 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Applied in store. Received a credit limit of $800. Then when I received the card in the mail I immediately requested a credit increase of $2800. They granted it. (no hard pull) Two months later I asked for $10,000 credit increase. They granted a $5000 increase to $7800. (HARD PULL!) Hope this helps!
 
Credit Score: 714 Credit Limit: 1600 Age: 25-34
Posted 02/23 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Not sure what my credit score was when I applied in 2010 for the Macy's Star rewards card but I was approved 300. A year later I requested for a credit increase and was approved 300. Six months later they increased it from 600 to 1200. 2015 they increased it to 1500 and now my Credit limit is 1600..
As long you pay on time every month and pay your outstanding in a timely manner, they will increase your credit limit for you.. Also because I'm a elite member I paid my bill late one month and called customer service and they waived my late fee.. I love Macy's and their rewards.. Coupons are my fave..
 
Credit Score: 685 Credit Limit: 800 Age: 25-34
Posted 01/11 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Applied in October---I am in the process of rebuilding my credit... I have not had a credit card in about 8 years... applied at the counter(after being asked numerous times!!) I thought" What the heck.. the worst they can say is NO!" Got approved for $800 dollars and have been paying it off every month(it was Christmas time so I charged some Christmas gifts; I am trying to not carry a balance) ;-)
 
Credit Score: 681 Credit Limit: 0 Age: 25-34
Posted 12/29 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I'm just a student working part time while in college so I don't make very much . I went to Macy's to buy a dress for a Christmas party. The sign up was a pretty quick process . I just selected store card, and I got approved for $800 . My purchase after all the savings only came out to about $47 dollars . I just got my bill 2 days ago and I got a 10 dollar new account discount so I only owed $38 dollars. Then I bought a christmas gift for a friend on my card as well. So I owed $136 and just payed off this afternoon.

I don't typically spend more than $100 at a time anyway so I doubt I'll ever use that much . I only signed up for the card because I shop at Macy's a lot and I saved a lot on my purchase . I don't even own any other credit cards I'll see how this goes .

I'm resubmitting this because my first review had some sort of glitch. My score has dropped 14 points since they did a hard inquiry so now I'm at 667. I'm hoping this will build my credit back up .
 
Credit Score: 720 Credit Limit: 0 Age: 25-34
Posted 12/17 2015
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I'm just a student working part time while in college so I don't make very much . I went to Macy's to buy a dress for a Christmas party. The sign up was a pretty quick process . I just selected store card, and I got approved for $800 . My purchase after all the savings only came out to about $60 dollars . I don't typically spend more than $100 at a time anyway so I doubt I'll ever use that much . I only signed up for the card because I shop at Macy's a lot and I saved a lot on my purchase . I don't even own any other credit cards I'll see how this goes .
 
Credit Score: 720 Credit Limit: 0 Age: 25-34
Posted 12/17 2015
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I'm just a student working part time while in college so I don't make very much . I went to Macy's to buy a dress for a Christmas party. The sign up was a pretty quick process . I just selected store card, and I got approved for $800 . My purchase after all the savings only came out to about $60 dollars . I don't typically spend more than $100 at a time anyway so I doubt I'll ever use that much . I only signed up for the card because I shop at Macy's a lot and I saved a lot on my purchase . I don't even own any other credit cards I'll see how this goes .
 
Credit Score: 615 Credit Limit: 300 Age: 25-34
Posted 12/07 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Rebuilding my credit for a year now, I have been getting approved since i hit the 600 mark. if you are looking for cards commenity bank seems to be the most flexible in lending credit. Citi bank i thought would not approve me for this since my collection was just taken out of my credit report but im glad i got the card. if you shop at macys it is worth it.
 
Credit Score: 642 Credit Limit: 750 Age: 35-44
Posted 11/16 2015
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
The limits on my card 1000 is plenty for me
 
Credit Score: 0 Credit Limit: 0 Age: 25-34
Posted 09/14 2015
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Credit score 705 yet got declined online for a card. What the hell
 
Credit Score: 815 Credit Limit: 8000 Age: 45-54
Posted 09/06 2015
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
CUSTOMER SERVICE SUCKS BUT ITS NOT MACYS CREDIT ITS CITI BANK THEY ARE TOUGH
 
Credit Score: 705 Credit Limit: 6000 Age: 35-44
Approved 5 years after Bankruptcy
Posted 08/29 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Due to my major illness and the job loss of my spouse. We filed Chapter 7 in 2009, which was discharged in 2010. My Macy's card limit was reduced from $2000 to $100. I made purchases and paid in full every month for 6 months. After that my limit was restored to $2000. Now 5 years later my limit is $6000. Macy''s customer outside the U.S. Is a bit lacking. However this account has helped with the rebuilding of my credit. The account has been opened since 2001.
 
Credit Score: 668 Credit Limit: 600 Age: 45-54
Posted 06/22 2015
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Been rebuilding my credit for the last year; been doing excellent with Capital One and Barclay Mastercards. Recently got approved for Walmart with $1,200 and Amazon with $900 which after only three months got bumped to $1,600 (paying off every month and only spending like below 20%). Tried last week with Old Navy and got $300 instantly approved online. Tried my luck once more with Macy's and also got approved for $300; then I got email asking to call them to activate; after answering two security questions (from my credit history) got bumped to $600. Don't lose hope. It takes time and a little discipline but you can get there - if I did, you can too.
 
Credit Score: 800 Credit Limit: 1000 Age: 45-54
Posted 06/16 2015
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Worst card ever!!! Avoid it if you can!!! they report for late payment of $1!!!!!
 
Credit Score: 723 Credit Limit: 1000 Age: 25-34
Posted 06/06 2015
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
This card is ridiculous! Do not apply if you do not have a great memory to pay it off right away! Besides the super high interest, their call center have the worst customer service! I was out of country for 2+ months, all major credit card company are willing to remove the late fees, this blood sucking monster only willing to remove $18 while charging me $105 for late fee! BTW, my outstanding balance was only $40, you see how non sense this is! You know what they say? It is your fault, and you need to take the consequence. OK~ Cut the card right after the call!
 
Credit Score: 620 Credit Limit: 400 Age: 35-44
Posted 05/25 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I have tax liens and collections on my account as well as lates for a few cards from about 7 years ago. I lost job and stopped paying my credit cards to try to keep my house. The foreclosure was taken off of my credit due to unfair lending practices. My credit score on credit karma is showing 539 and 520 and that is not correct. I did receive a rejection from Barclays May 2015 and my Transunion score was 635 so Credit Karma is off by over 100 points.
 
Credit Score: 800 Credit Limit: 1700 Age: 45-54
Posted 05/18 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Approved in store. Had not used previous Macys card in several yrs, so it had been cancelled. Salesperson gave me Friends & Family discount on items that should not have been included. Nice surprise. Also was able to call to purchase items online the following day to take advantage of new card 20% discount (only offered first 2 days of card). Rec'd additional coupons with credit card in mail.
 
Credit Score: 600 Credit Limit: 300 Age: 55-64
Posted 05/14 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Just rebuilding..got 2 secure cards charging under 30% paying balances off for about 4-5 months just thought I would try and got approved wooohooo transunion 661 equivalent 601 not sure wat experience is when you don't use all of your available credit it hikes your score up quickly
 
Credit Score: 716 Credit Limit: 0 Age: 25-34
Posted 05/09 2015
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I have a 700+ credit score and make $85K+ a year in a job I've had for over 12 years. Recently purchased a new home 8 months ago and a new car 4 months ago both at 3% or less yet I was declined for a Macy's card??? I rarely shop at Macy's but was attempting to get the card for the discount towards a gift and much to my surprise was turned down. I understand the possibility that my new loans changed my debt to equity ratio but to not get approved for a dept store card despite my level of income and that I always make my payments on time leaves me stunned.

How strict are their standards?
 
Credit Score: 0 Credit Limit: 500 Age: 55-64
Approved 7YRS after Bankruptcy
Posted 04/11 2015
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
652
 
Credit Score: 608 Credit Limit: 600 Age: 25-34
Posted 03/09 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I applied at the store and got approved $600.
 
Credit Score: 670 Credit Limit: 100 Age: 25-34
Posted 01/03 2014
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
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. After paying in full for about a year, I got the CLI up to $500.
 
Credit Score: 686 Credit Limit: 300 Age: 25-34
Posted 12/27 2013
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
Applied in the store and got approved. I have a few baddies in my CR so I guess I cannot really complain about the low credit lines that I got. Macys will give you a line for the store and if your score is good enough, you will get approved for an actual credit card as well.
 
Credit Score: 690 Credit Limit: 600 Age: 35-44
Posted 11/17 2013
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
Got a $500 CL with a 690 TU score. That is enough for me since I usually just shop at Macys during the holiday season and maybe about 4 times a year. Never needed more than that amount. Still I've come close a couple of times and I do have to watch my limits.
 
Credit Score: 620 Credit Limit: 300 Age: 25-34
Posted 10/05 2013
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I applied when my TU score was about 620 and I got a $300 CL. That was enough for me as I use it maybe 6 times a year at the store. The key to this card is to always pay in full since the interest rates is not exactly consumer friendly!
 
Credit Score: 732 Credit Limit: 3000 Age: 45-54
Posted 10/03 2013
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Had a decent score of over 700 (can't remember which bureau). Got a CL of $3000, which was nice. But the CS is really bad and you really have to be careful about paying your bills in full. Their website and online payments are not really good nor sophisticated.
 
Credit Score: 710 Credit Limit: 600 Age: 35-44
Posted 09/24 2013
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I thought my 700 plus score was decent and was rather surprised that firstly, I did not get the Amex version (the proper cc). Secondly, you would think that the lines should be larger given my score and no baddies on my CR!
 
Credit Score: 593 Credit Limit: 100 Age: 35-44
Posted 08/09 2013
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I shop at Macys a few times a year. I went through the last two years trying to rebuild my credit after a divorce. Prior to this card, I had a Cap One secured with a $300 line and a Orchard Bank with also a $300 line. I was surprised to get only a $100 line. But with no annual fee compared to my other cards, I guess it was not such a bad deal.
 
Credit Score: 643 Credit Limit: 600 Age: 35-44
Posted 06/22 2013
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After reading the comments here, I was quite surprised to find that my CL was 600 despite my score. I was expecting $100 or $200. My cards before I got his was the Credit One and Wells Fargo secured. I paid in full every month and my utilization was very low. I think this is key to my CL amount.
 
Credit Score: 705 Credit Limit: 300 Age: 25-34
Posted 05/08 2013
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You would think that with a 700+ score that I would be approved for the Amex version. But despite nothing bad in my CR, I only got approved for the store card! (And I have got a Discover!). To add insult to injury, my CL is only $300. Surely dsnb can do better than that. Since I shop about 3 times a year at the big M, I think I'll just cancel this card after a year or so.
 
Credit Score: 664 Credit Limit: 800 Age: 45-54
Posted 04/13 2013
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I went to the store and applied for what I thought was the Macys Amex card. But I was only approved for this version. I thought it was a mistake and asked the rep to check. She said she could do nothing about it. I later found out that when you apply, you are actually considered for both and if you are not approved for the Amex card then you will get the store card. If you are approved for the Amex card, you can choose to either take that or the store card. I have a Cap One with $1500 CL. I only charge $200 a month to that. The low utilization probably helped me get approved. And going by the CLs given here, it looks like that helped as well.
 
Credit Score: 657 Credit Limit: 100 Age: 25-34
Posted 02/05 2013
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I got this card and got an initial CL of $100. I shop at Macys about once every 2 months and put about %$50 to $70 on the card at once. However, I pay in full every month. After about a year and a half, I thought I was late and called CSR to check if online payment went through. It did and I was given a CLI - bumped up to $1000. That was a nice surprise. Guess I might use the 15% discounts on a nice Polo RL jacket!