"Cli"
Macy's Credit Card® Review
Written by: jega214 on 2013-05-31
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
jega214's review: 
I have had my Macy's store card for several years now and I recently requested a credit limit increase. Called the car and the guy went throug my account and asked a few questions was told to give it till the next billing cycle and call back to request an increase. Said i should have no problem getting an increase. I called a Month or so later and the lady over the phone advised they would have to pull my credit file and was denied a Cli. Is there a way to get a credit increase without pulling your credit report? I know you can request it every 6 months is there an easier way to go about this? I really want a bigger credit line to even out the ratio.
I have had my Macy's store card for several years now and I recently requested a credit limit increase. Called the car and the guy went throug my account and asked a few questions was told to give it till the next billing cycle and call back to request an increase. Said i should have no problem getting an increase. I called a Month or so later and the lady over the phone advised they would have to pull my credit file and was denied a Cli. Is there a way to get a credit increase without pulling your credit report? I know you can request it every 6 months is there an easier way to go about this? I really want a bigger credit line to even out the ratio.
1 Comment
Comment 1 by roughdraft
Re: Cli 
on 2013-06-04
The funny thing is that their store card is offered through Citi, which will normally work with you as far as getting a higher credit line, but the I've had the same results with this card. I've had mine about 2 years and one of the reasons I applied for it was because there were lots of reviews on here that told stories of automatic CLI's, or going from $200 to $2000, things like that.
When I applied I received a $200. Seven months later I asked for a CLI and it wet to $500 with a hard pull on Experian. That was before they even reported your credit limit to the CRA's. I still have the account open, but I don't use them. I haven't closed them just because I have been closing so many accounts lately. I would like to wait until my new accounts are at least a year old before I close this one. But, to answer your question I think the only way is through a hard pull. Keep it if its old, but otherwise check your scores and see if you qualify for something better, as far as expanding your available credit.
on 2013-06-04 The funny thing is that their store card is offered through Citi, which will normally work with you as far as getting a higher credit line, but the I've had the same results with this card. I've had mine about 2 years and one of the reasons I applied for it was because there were lots of reviews on here that told stories of automatic CLI's, or going from $200 to $2000, things like that.When I applied I received a $200. Seven months later I asked for a CLI and it wet to $500 with a hard pull on Experian. That was before they even reported your credit limit to the CRA's. I still have the account open, but I don't use them. I haven't closed them just because I have been closing so many accounts lately. I would like to wait until my new accounts are at least a year old before I close this one. But, to answer your question I think the only way is through a hard pull. Keep it if its old, but otherwise check your scores and see if you qualify for something better, as far as expanding your available credit.
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Disclaimer: This content is not provided by Department Stores National Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Department Stores National Bank. Review content is powered by Finance Globe.
