Can You Get a Macy's Credit Card With Bad Credit? (2024)

FAQs

Can You Get a Macy's Credit Card With Bad Credit? ›

Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Macy's Credit Card. In order to get the Macy's Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old.

No, you will probably not be able to get a Macy's Credit Card with bad credit, as the card requires at least good credit for approval. Getting approved for the store version of this card, the Macy's Store Card, is also unlikely because it requires at least fair credit.

As usual, your chances of getting a credit card at Macy's will depend on your credit score. The minimum required score for this card is 640. Other factors that the issuer will consider include stability of income, debt-to-income ratio, and frequency of credit inquiries.

The Macy's Credit Card is hard to get because it requires good credit for approval, which means you need a credit score of 700+ to have good odds of being approved. This requirement may be difficult for the average American to meet. On top of that, you'll need to have a steady income and meet a few other requirements.

You need good or excellent credit (700 or higher) to get the Macy's Amex, and at least fair credit (640 or higher) to get the Macy's Store Card.

The best credit card for a 350 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The OpenSky® Plus Secured Visa® Credit Card also reports to the credit bureaus on a monthly basis.

Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Macy's Credit Card. In order to get the Macy's Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to have an SSN.

If you're interested in the Macy's Store Card, you should know the initial credit limit ranges from $100 to $1,200, according to forum posts.

You cannot qualify for a Macy's Store card pre-approval. You can, however, get approved within minutes if you apply online or at a Macy's store.

What's the easiest credit card to get? ›

The Discover it^® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.

What credit card am I applying for? Department Stores National Bank (“DSNB”) is the issuer of the Macy's Store Card. For each account with a balance, a minimum payment will be required and you may incur a late fee if you fail to make any required minimum payment on time.

Chip Lupo, Credit Card Writer

The Macy's Credit Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. Department Stores National Bank reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.

The credit score you need for the Macy's Credit Card is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Macy's Store Card, however, has more lenient requirements. This card accepts people with at least fair credit for approval (640+ credit score).

Credit decisions are usually immediate but can take 7-10 business days to process.

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.

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.

The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus. They don't have a whole lot of competition, however.