I've been absent from the boards lately. Been real busy with work, not to mention that I just got back from vacation. I was going through reading the threads and read the post on Macy's and their scoring system, etc. So just to see what would happen, I called Macy's. Here's some background info: Opened in late '92 (this and Citibank were my very first cards). Limit was $300. In early '99, Macy's closed my account after I went almost 90 days delinquent....talk about hard times! In retrospect, how could I of went that long w/o making a payment? The minimun is like $5...wow...I must of really been broke! But to save grace, I ran down there w/ a balance transfer check from the crooks at FUSA so that my account wouldn't be closed w/ a balance. Oct 00 I ate some humble pie and BEGGED Macy's to reopen my account. I had to fax them over some documents proving that I paid some stuff on my credit report and they reopened w/ a $200 limit! I was only begging for $100. Feb 01 I go shopping for Valentine's day and get to the register. I guess I went over my $200 limit but they didn't decline it. The cashier had to call customer service for approval. They asked him if I had my driver's license in my posession and he said yes. He gave them the number and that was it. Transaction approved! Then like a month later I call to check if they received my payment. Then I spoke to a rep to see what my limit was (the automated didn't say) and it was now $500! So I call Macy's to test the whole scoring system to see if they really would raise my limit w/o pulling a CR. I told the rep <snicker> that I wanted to purchase some bride's maide dresses and wanted to know what she could do for me in regards to raising my limit. I also stated <snicker> that I was buying a home and didn't want a CR pulled. She stated that I had my account long enough for them not to pull a CR. She asked me what I what kind of increase I was looking for and I said just enough to get the dresses.....so like $500 or so. She offered to see about setting me up w/ another type of Macy's account and I told her NO.....that I didn't want to open up any new accounts and mess up my mortgage (HA!). She said o.k. please hold. She came back and said that she had to speak w/ a supervisor about raising my limit and gave me a THOUSAND DOLLAR INCREASE!!!!!!!!!!!!! Limit is now $1500!!!!!!! Guess I'll be a Presidents Club member in no time! :-D Just wanted to share this info to you all. Happy Credit Building!