Is it hard to get the Macy's Credit Card?

The Macy's Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Macy's Credit Card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Macy's Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Macy's Credit Card credit score requirement. You can check your credit score for free on WalletHub.

Applicants can check their Macy's Credit Card application status by calling (888) 257-6757. When you call, you’ll need to provide your name and Social Security number so that Department Stores National Bank can match you to your application. It should only take a few minutes to find out whether your application is approved, denied, or pending. Department Stores National Bank does not allow you to check your application status online.… read full answer

How to Check Your Macy's Credit Card Application Status

1. Call (888) 257-6757.
2. Follow the automated prompts that lead to an application status check, or connect with a representative and tell them you’d like to check your Macy's Credit Card application status.
3. Give your name and Social Security number when asked.
4. The automated voice or customer service rep will tell you if your application is pending, approved, or denied.

Typically, you’ll receive Department Stores National Bank’s decision on your application within 7 to 10 business days. Many applicants are approved much sooner than that. If you haven’t heard back within a reasonable time frame, you can always call customer service to ask about the delay.

You may not like what you learn when you check your application status. But those who get denied can still ask Department Stores National Bank to reconsider by calling (888) 257-6757.

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit. You can get approved for it even with bad (300) credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

This isn’t your only option, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,500+ offers. And we selected our favorite easy-to-get offers.… read full answer

Here are some of the easiest unsecured credit cards to get approved for:

• Rewards: Credit One Visa.
• Small businesses: Capital One Spark Classic for Business​.
• No credit: Capital One Platinum Credit Card
• No annual fee: Petal® 2 Visa® Credit Card.
• Easiest store card: Fingerhut Credit Account.
• Students: Journey Student Rewards from Capital One.

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for​.