Increase in CL, and what an incr!

Discussion in 'Credit Talk' started by kbanger, Sep 12, 2002.

  1. kbanger

    kbanger Well-Known Member

    Hey everyone, as you all know I have 3 postive tradelines. One being my glorious Macy's which was brought back from the dead (R9 to R1) by a very kind gentleman at Macys. Now when this account charged off, I only had a line of 100.00 that was 6 years ago. I have now had the re-opened account for 3 months and made 3 payments. I call Macy's today as per their instructions on waiting 3 months and ask for an incr. I call today and ask for one. The CSR puts me hold for like 7 mins. (I timed it) comes back and says my Supervisor is reviewing your account. (I am like damn, here it comes) after the next hold period of 4 mins. The CSR says, Mr. Banger after reviewing your account and seeing that it was restored in the last three months we at this time can only grant you an incr. of 200, making your limit 300.00. (I was like thank you and see you in your store when we need some baby clothes)


    so the moral to this story is pay on time with macys wait three payments and ask for an incr. I will be making three more payments before XMAS to hopefully arrive in the new year with a limit of 500.00, To some this may seem like not much. But to those of us who refuse a subprime card and wish to work our way back to glory, it is everything. thank you board.
     
  2. mitchra

    mitchra Well-Known Member

    Congratulations!!!

    Can you even buy anything in Macy's for under $500...lol
     
  3. kbanger

    kbanger Well-Known Member

    One thing I have to say about Macys is that when they have a sale they have a sale. we got a Damask sofa cover that was regularly 329 for 89 bucks that is a sale to me! Macy's look for us, our baby will be needing some items in the next what do all parents say forever. so keep uping the limit.
     
  4. PAE

    PAE Well-Known Member

    Greak work KB, and good luck with the baby clothes :cool:

    they grow out of 'em fast man!
     
  5. martig4

    martig4 Well-Known Member

    Banger,

    Do you know if you are having a boy or girl? Our son has grown out of his 3,6,9 month outfits if you or anyone else could use them.

    Martig4
     
  6. breeze

    breeze Well-Known Member

    Congrats! I know it feels good.
     
  7. cibomatto

    cibomatto Well-Known Member

    KB, you rock dude!!!

    nuff said
     
  8. kbanger

    kbanger Well-Known Member

    Daddy's little girl. I cannot wait. Credit Repair is more about her than it is me. I have to make sure she has everything she needs. I do not want her to ever go without. Martig4 thanks so much for your kind offer, if by chance we have a boy, I'll email you, after I ANNOUCE on the board. But boy (no pun intended) would macys be mad. I would be shopping with Martig4's not macys (lol)
     
  9. kittiekat3

    kittiekat3 Well-Known Member

    Congrats on the increase AND the baby!!
     
  10. Saar

    Saar Banned

  11. luxury4me

    luxury4me Well-Known Member

    Re: Increase in CL, and what an inc

    The sincere gratitude felt by someone who has had credit problems in the past but is trying to overcome them does show that it is often worth it for the dept stores to take a chance and grant small credit limits. The new cardholders are so greatful to get any credit limit at all that they will continue to use the stores even as their credit improves and can make other choices. It certainly is worth it for macys to give a small credit limit for the chance of making a new customer. I think macys made a smart decision and I'm glad that they were able to help you.
     
  12. kbanger

    kbanger Well-Known Member

    Re: Increase in CL, and what an inc

    Saar thanks for the info, I will make two more payments and call in Mid-October to see if I can get another one. If they pull EX, I hopefully will be fine.
     
  13. jrjr35

    jrjr35 Well-Known Member

    Re: Increase in CL, and what an inc

    congratulations.
     
  14. azur24

    azur24 Well-Known Member

    Re: Increase in CL, and what an inc

    I had a Macy's charge off, and I have been thinking about contacting them to open it up. It was about 8 years ago. Who did you call?
     
  15. kbanger

    kbanger Well-Known Member

    Re: Increase in CL, and what an inc

    Call 800.456.9529 ask for ext. 38257, His name is Brian Glardon. He is a pretty fair guy and keeps his word. Hope it helps
     
  16. Saar

    Saar Banned

    Re: Increase in CL, and what an inc

    Actually I noticed that Credit Center (as opposed to Credit Granting) will frequently waive the 3-month requirement. You can probably just call CC now and complain that CG gave you too small an increase compared to the value of purchase you have in mind.


    Saar
     
  17. kbanger

    kbanger Well-Known Member

    Re: Increase in CL, and what an inc

    I just tried they said no due to the hard they pulled in July, my report was worse then. Anyway the CSR said call back in 3 months and ask again. She said they did not pull anything. Thank God. I will wait until Nov/Dec amd try again. For another 300. Thanks again.
     

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