Maria Adams, Credit Cards Moderator
@m_adams
Yes, the Macy's Store Card will do a hard pull. You will need a credit score of 640+ to get it. This means that the Macy's Store Card requires fair credit, which is on par with what most store cards require.
Keep in mind, though, that your credit score isn’t the only thing the issuer takes into account while considering your application. Various other factors like your credit history, income and debts will also determine the outcome.
Here’s what you need to know about the Macy's Store Card hard pull:
It is also worth noting that there is no way to pre-qualify for the Macy's Store Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage by reading this article.
Ultimately, you can check out your credit score for free on WalletHub to see where you stand.
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People also ask
Does the Macy's Store Card have pre-approval?
Yes, the Macy's Store Card does have pre-approval. Citibank requires applicants to check for pre-approval before they can apply, so you will have a good idea of your approval odds if you choose to apply. Getting pre-approved for a Macy's Store Card means that your chances of being approved for an account are very high if you apply, but it does not mean that approval is guaranteed.
Macy's Store Card pre-approval does not affect your credit score, as it’s done...
read full answer by Karole Pritchard, MemberWhat is the Macy's Store Card credit score requirement?
The Macy's Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Macy's Store Card.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Macy's Store Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
If you...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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