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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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69 Reviews
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Average Score:
597
Highest:
1200
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20%
4 Star
8%
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5%
2 Star
1%
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27%
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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: 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: 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: 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: 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: 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: 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: 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: 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: 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!