Macy's Credit Card

I used this card a lot when the kids were growing up. Never found any other store where I could get everything I needed for them in one place. Macy's was a staple for years with me. I just stopped using them so much and account closed.

Had one of the worst experiences ever with customer service. I will not do business with Macy's anymore after this. I put a freeze on my credit file due to Identity Theft. On the same phone call I requested that a new card be sent to me. They never sent me a card and in a couple months later my account was canceled due to inactivity with no prior warning. Nothing was done to remedy the situation, not even so much as a sorry you're having to deal with this or I understand your frustration from the employee I spoke with over the phone

I applied and was approved for the Store Card. My FICO is 689. They denied me for AMEX card although I already have a AMEX card. Also the initial credit limit was $300. I immediate called and closed it. I really do not need a low limit card. I was eyeing a couch in their store and thought I would apply for their credit card. Looks like I will have to put the couch on another card.

This is the worst card to have. If you have it, just close it! The way they treat customers is just bad... Having a Macy's card is the easiest way for you to lower your credit score! I don't know what they do, but it is never to your advantage!

Call me Mr. Stupid if you like but when we first got the card, like others, we saved 20% on a purchase of $ 300.00. My wife uses the card to buy other things than from the store and never showed me the statements. Then, I found the bill of $ 1700.00 she owes that I have to pay for and charges of .99 fees charged and $ 4.81 Intrest charge even though we make way over the minimum payments every month. I have since put a stop on the card and when paid off will NEVER, EVER get this card again

The only thing I appreciate is that it is accepted outside of Macy's, essentially everywhere that accepts AMEX. Unfortunately linking the card and accessing account informatiion is not a user-friendly process. I am currently on hold, now 28 minutes on 1/2/19 waiting for a representative to fix it so that I can pay online. Apparently, prior to running the promo they didn't make payment options user-friendly enough. I entered my card # however the site is not accepting it. The heavy call volume suggests that this is a problem for many at this time.

The Macy's employee lied about doing a soft pull to upgrade my regular macy's card to a macy's amex card, and they did a hard pull that affected my credit which I was trying to carefully increased for refinancing. Can't believe they can lie on something like this.

This company charged me $2.00 additional AFTER I asked for a credit balance for full payment of my account! THEN they had the temerity to charge an additional amount. I fought with them for 60 days on the overcharge that I was not notified about. It increased by $2.00 every month and finally it was settled. I will NEVER have an AMEX MACY'S charge again!

I just cancelled my Macy's AMEX after many years because I JUST noticed (my bad) that they are charging me interest even when I pay the full balance on time every month. They have some almost criminal way of calculating whether you have paid your balance in full and if there is $.01 remaining balance on the date due, you get charged interest on the full amount due. No way am I going to stand for this nonsense! They've lost a good customer forever.

I've used this card for over 5 yrs and no problems, I do remember the 2 card and extra accounts days which I thought was a nightmare. When I applied in store I was approved for both ( Store -2k and Amex -8k) had what they called 2 accounts in 1 card and both were on statement. That summer I added a "furniture account" of 6k. Then Aug of 2015 I think, they decided to combine CL to one card w/ all CLs combined which is what my letter said and what happened. I ended up w/ 17.4k CL which was cool / me and no problems . Yet, I have seen on forums where all didn't get combined. In my experience thus far I haven't had any problems with Macy's or the bank, I have enjoyed shopping there and like other retailers they have their rewards programs of different tiers and levels,

I can't wait to cancel this card. I seldom use it but, recently, I had some unauthorized charges on the account. They very quickly canceled my card and sent me a new one. Good. Then the fun began. I cannot believe the amount of paperwork I have to complete to get these charges off my account. I have never experienced this with any other credit card (visa, mastercard). As soon as this dispute is resolved, I will cancel this card.

The clerk in the store tells you they will 'combine' your Macy's card with the 'new Macys' American Express' BUT THEY DO NOT. Billing issues, payments applied to wrong account, etc, etc. This is a scam and a nightmare. Never again will I shop at Macy's or use American Express!

A scam to run up charges without notifying the customer - never again!

I have a Macy's Amex card that I only ever use in Macy's. When I received my bill this month there was a strange charge from a company I never heard of in TX with only a phone number, no description of what was purchased or anything other than the amount. I called Macy's on a Saturday and after waiting an automated message stating that they were busy hung up on me. Eventually after 20-30 minutes back through the auto - can't talk to a person system I finally got to a human but could barely understand her with her thick accent. She told me to call the number from this merchant and see what's up. I have never been treated by a credit merchant this way. Other credit cards call you and tell you they suspect fraud and take action. After I called back a third time I got them to disput the charges and they would send me out a packet for me to do more work for them. Why pay 20 percent interest when you have to manage the work for them. On Sunday I got a call from the fraud department asking more questions, when I told them I was taken back about the comment for me to call this merchant , she informed me that it would take 6 wees for Macy's to get to the bottom of it and It can usually be resolved quicker if the customer intervenes. She closed the account and sent out a new card. So on Monday , I call the merchant explain the case and they see that the charge is fraudulent. They cannot help me without the expiration date of the card which I cut up and trashed based on direction from Macy's. So a 4th call to Macy's to ask for the expiration date of the old invalid card. After 40 minutes with some of the stupidest people I have ever spoken with they reluctantly transfer to the fraud department. These genesis tell me that they do not have access to my old card expiration date. So After over two hours and countless calls to both Macy's and the vendor how posted a fraudulent charge there is nothing I can do and I have to wait for Macy's to investigate, after I fill out all kinds of paperwork. I am a loyal Macy's customer for 35 plus years but after this experience, I will cancel the account when I get the new card and sadly never step foot in Macy's again. When will a company as Great and historic as Macy's realize that outstanding customer service is a prerequisite to a successful customer experience. So sad that people in a call center God knows where has caused me to boycott Macy's. Pay cash of use your visa. Never again with Macy's.

This card is nice for in-store purchases. I saved 20% when I opened the card (I bought some Chanel for a gift) and receive a lot of coupons in the mail. There are not many other rewards though. I do not use the card outside of Macys because there are not other rewards and I like my other cards better.

Ever since I applied and received my Macy's credit card my mailbox stays full of Macy's coupons, which should be a positive thing. The only negative is it seems a lot of the things I want to purchase are always excluded from the items you can use the coupons on. It is very frustrating picking something out and believing that I will be getting an extra 20% off only to discover when I check out that the item I am purchasing is not eligible for the discount.

it is just a great product, with the best user experience i have had with a store card. first of all there are a lot of deals always going on, and you get an even better deal if you pay with the card. also, there is no need to take your coupons with you anymore, your credit card has them on file for you, so their paper version works more as a reminder than a coupon. it is true that the APR could be lower but i always pay it in full, i just use it for the convenience, and special deals, and the special treatment you receive from the store staff.

This Macy's store credit card is one of the best cards I have ever had. Besides the very reasonable finance options, this card gets you so many sales and deals almost every week. I save a ton of money using this card. In my opinion if you like shopping at Macy's, this is a must have card!

By having the Macy's card we have been getting great ongoing offers but their customer service -- both online and by phone -- needs huge improvements. For example, the experience that you get on Macy's online portal is what you got from major credit card companies 10 years ago!

Worst Card ever! The CS is really rude. They made a mistake by rejecting my payment, but let me pay their mistake by paying penalty for them. I have no idea my payment had been cancelled until I kept receiving many annoying phone calls. I am glad I closed this awful card finally. If you wanna get troubles, you should have this card.

The Macy's card is great for in-store and online purchases at Macy's, especially in conjunction with the frequent coupons printed in the newspaper or sent via email. Unfortunately, I wish there were a few more perks/incentives associated with using this card at Macy's itself. On the plus side, I have never had a problem with paying my bill online (very easy!) and there are no hidden fees or errors with my bill. Overall, quite convenient if you shop at Macy's often.

I signed up for the Macy's card earlier this year because I was making a big purchase and you get 20% of when you open a Macy's account. I do all my payments online and the website is very simple and easy for tracking your purchases and payments. I will say that the discounts after the initial sign up are not that great. I recently used the card again for only the second time because they were having a deal where I get an extra 15% if I use my card. If you are a regular Macy's shopper and watch for promotions, you can get some pretty good discounts, but regular purchases with the card are not going to save you much money.

The Macy's american express credit card does not give you much benefits. When you sign up for the credit card, they give you a 20% off the whole store, including make up. That is the only time that you can get discounts on make up, so that's the best time to stock up on make up. After you sign up, there are no more good freebies that comes with this credit card. Macy's gave me a $20 credit, if I use the american express credit card five times in a grocery store. I just used this credit card for that reason and I do not plan on using this credit card outside of macy's anymore