Chip Lupo, Credit Card Writer
@CLoop
You can request a Macy's Credit Card credit limit increase online or by calling customer service at 1-888-257-6757 . To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Citibank has on file. Citibank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
How To Get a Macy's Credit Card Credit Limit Increase Online
- Log in to your online account.
- Click "Credit Summary," and then "Request a Credit Limit Increase".
- Enter your annual income, residential status and monthly mortgage or rent payment.
- Confirm the information entered and submit your request.
You should receive a decision in just a few seconds. If you’re approved for a Macy's Credit Card credit limit increase, the new limit is effective immediately.
Impact of a Macy's Credit Card Credit Limit Increase on Your Credit Score
When you request a Macy's Credit Card credit limit increase, Citibank will conduct a soft pull of your credit report, which does not affect your credit score. However, some Macy's Credit Card credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Citibank cannot do a hard pull without your permission.
Alternatively, you could be eligible for a Macy's Credit Card credit limit increase without even requesting one. The Macy's Credit Card may offer an automatic credit limit increase if Citibank’s regular review of your account shows a history of on-time payments and low debt.
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