- The Macy’s Credit Card is a store card, which means you can only use it at Macy’s properties.
- If you prefer a full-use credit card to use on spending outside of Macy’s, there is a Macy’s American Express Card, which offers 1% to 3% back on purchases at gas stations, supermarkets, restaurants and more.
Despite, Is it hard to get a Macy’s American Express?
Macy’s doesn’t specify a minimum credit score to qualify for either of its credit cards. In general, if you have a score higher than 700 for the credit card and 640 for the store card, your odds of approval are high.
Following this, Can you use a Macy’s credit card at Target?
The Macy’s Store Card can’t be used anywhere. It can only be used at Macy’s and macys.com.
What credit score is needed for Macy’s American Express? Most applicants who are approved for a Macy’s Credit Card have a FICO® Score of 600 or higher. If you’re aiming for the Macy’s American Express® Card, you’ll likely need a score of at least 670, and a score of 700 or higher will give you much better odds.
Still, What credit score does Macys pull? 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.
What credit score is good for Macy’s card?
Most applicants who are approved for a Macy’s Credit Card have a FICO® Score of 600 or higher. If you’re aiming for the Macy’s American Express® Card, you’ll likely need a score of at least 670, and a score of 700 or higher will give you much better odds.
Is it hard to get Macy’s credit card?
Yes, it is hard to get the Macy’s Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Macy’s Credit Card.
What bank owns Macy’s credit card?
Citibank, N.A. is the issuer of the Macy’s Credit Card and the Macy’s American Express Card.
What is the annual fee for Macy’s credit card?
Fees
| Macy’s Credit Card | Macy’s American Express® Card | |
|---|---|---|
| Annual Fee | $0 | $0 |
| Purchase APR | 27.49% variable | 27.49% variable |
| Cash Advance APR | n/a | 27.49% variable |
| Cash Advance Fee | n/a | $5 or 4% of each cash advance (whichever is greater) |
• Apr 7, 2022
What credit score do I need to get approved for a Macy’s card?
Most applicants who are approved for a Macy’s Credit Card have a FICO® Score of 600 or higher. If you’re aiming for the Macy’s American Express® Card, you’ll likely need a score of at least 670, and a score of 700 or higher will give you much better odds.
Is Macy’s credit card instant approval?
Credit decisions are usually immediate but can take 7-10 business days to process.
What credit bureau does Macys pull from?
Macy’s Credit Card reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Department Stores National Bank may use a specific credit bureau more than another, depending on the applicant’s home state, and other factors.
Who issues the Macy’s credit card?
The Macy’s Credit Card is issued by Department Stores National Bank, a subsidiary of Citibank. Since Macy’s is a department store, it doesn’t have a banking license.
Can you prequalify for a Macy’s card?
You cannot qualify for a Macy’s Store card pre-approval. You can, however, get approved within minutes if you apply online or at a Macy’s store. Keep in mind, though, that applying for a credit card will most likely result in a hard inquiry on your credit, lowering your score for a short period of time.
Can I use my Macy’s card anywhere?
The Macy’s Credit Card is a store card, which means you can only use it at Macy’s properties. If you prefer a full-use credit card to use on spending outside of Macy’s, there is a Macy’s American Express Card, which offers 1% to 3% back on purchases at gas stations, supermarkets, restaurants and more.
Can you have two Macy’s cards?
How do I add a second card? To add another Macy’s Credit Card or Macy’s American Express® Card to your macys.com profile, you will need to know your account number, your name exactly as it appears on your card or statement, the security code on your card and the last four digits of your social security number.
Does Macy’s credit card do a hard pull?
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.
What is the Macy’s credit card limit?
Most cardholders report Macy’s card credit limits ranging from $500 to $2,500. In general, credit card limits vary, based on three main factors: your credit score, your income and your current credit utilization ratio.
What credit score is needed for a Macy’s credit card?
Most applicants who are approved for a Macy’s Credit Card have a FICO® Score of 600 or higher. If you’re aiming for the Macy’s American Express® Card, you’ll likely need a score of at least 670, and a score of 700 or higher will give you much better odds.
Is it hard to get approved for a Macy’s card?
Yes, it is hard to get the Macy’s Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Macy’s Credit Card.
