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.
In order to get the Macy's Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN.
Keep in mind that even if you meet all of the requirements for the Macy's Credit Card, you’re never guaranteed to be approved.
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
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.
Give your name and Social Security number when asked.
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.
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.
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