You can request a Macy's Credit Card credit limit increase online, through the Department Stores National Bank mobile app, 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 Department Stores National Bank has on file. Department Stores National Bank 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 or the Department Stores National Bank mobile app.
- Choose the Macy's Credit Card from the list of account options (if you have more than one Department Stores National Bank card).
- 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 click “Submit” to complete the 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, Department Stores National Bank 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. Department Stores National Bank 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 Department Stores National Bank’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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