Department Stores National Bank was founded in 2005, is based in Sioux Falls, South Dakota and operates as a subsidiary of Citibank, N.A. Department Stores National Bank is a full-service bank that offers personal and commercial banking services. The Bank accepts deposits, makes loans and provides other services for the public.
Department Stores National Bank Reviews
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Department Stores National Bank
Regina M J @bodaciousglass
Macy's was a fine card. Tried diligently to pay it off every month. Did the best I possibly could. Like I said did the best I possibly could all the time.
This is one of my favorite store cards. I use it mainly for presents several times a year and pay off each month. I love that I can purchase gift cards for those people who I’m not sure of sizes or styles. I hope to keep it for a long time! I also love that I can use it anywhere that accepts AMEX
Generally good card. If you're platinum you gain 5x points at Macy's, which can add up quickly. I like that I can take the rewards and apply them toward clothes. However, are many exceptions as to when you can apply the Star Money you earn, for example, it's not valid during certain sales, and Macy's is always having a sale, so it can be hard to use. Still, I feel like the 3% back on dining is worth it and gives me an excuse to buy clothing, cologne, etc. that I want but am too frugal to buy.
My credit balance is different than what is being reported. I try to make my Payments on time however please credit card companies report when they want to. It is very crucial to me to get my credit score up I am with reporting every two months it’s going to take a while.
Awful!!!! I will never use this card again. Somehow I thought I had paid off my balance and had a very small amount of interest that had accrued which I was not aware of. They charged my account several months of late charges and it affected my overall credit score. I will never use Macy's CC again. I called customer service and they told me it was out of their hands that it is all generated by the computer. I had been a very loyal Macy's CC customer for many, many years. Done They eventually removed the charge but not the negative rating to my credit score. I found out it will remain on there for 6 years.
If I could give zero stars I would. This is absolutely the worst credit card anyone can have. I don’t use it often, but I do I pay off in full. I misplaced a bill for $35 dollars and had to pay over $40 dollars in late fees. It’s complete thievery, I understand I missed the date due but the hefty late fees are completely out of control. I paid off and closed the card. Do yourself a favor and never ever get this card.
Macy's doesn't specify a minimum credit score to qualify for either of its credit cards. In general, if you have a score higher than 700 for the credit card and 640 for the store card, your odds of approval are high. Keep in mind that in addition to your credit score, the bank will also look at your income, debt and payment history on other credit accounts.