You will also be asked to provide some very basic financial information. This is to ascertain whether you would be a good candidate for a Macy’s credit card. You’ll need to enter your annual income, as well as your residential status (i. e. , do you rent or own?). You will then need to enter your monthly rent or mortgage. You will need to enter somewhat sensitive information during the application process, so make sure you’re accessing the internet from a secure WiFi or ethernet connection. It’s advised you do not use public WiFi for this part of the application. You will have to enter your date of birth, social security number, and driver’s license number. You will need to scan a photo ID, such as a passport or driver’s license, and include this in the application. If you do not have a scanner at home, you can use one at a local print shop and e-mail the scanned image to yourself. However, do not fill out the Macy’s credit card application from a computer at a print shop.
Make sure you read the information closely to verify it is correct. You do not want to be rejected from getting a credit card do to a small error, like entering your social security card number incorrectly. It may be a good idea to wait for half an hour or so and then review your information. You may be more likely to catch your own errors if some time has passed.
As you may not have all the materials or know all the required information offhand, you will probably have to complete the application at home and submit it to the store the following day.
As stated, you must already have an existing Macy’s credit card to apply for an American express card. You can only apply for an American Express card in the store. You can ask for an application at the counter. You can take the application home and fill it out there. It will ask for much of the same basic contact and financial information as the previous application. It may also want the number of your current Macy’s credit card. You may have to provide a copy of your photo ID when applying for a Macy’s American Express. Stop by a local print shop and get a copy made if this is the case. When you finish your application, you can turn it in at the store.
Macy’s store cards are somewhat harder to obtain that most store credit cards. On average, Macy’s store card holders have fairly high credit scores. If your credit score is in a lower range, there’s a chance your application may be rejected. You can check your credit score online through a variety of free websites. If you’re applying for an American Express card, you may be rejected if you were frequently late on payments for your regular Macy’s credit card. Unfortunately, in the event you’re rejected, there’s not much you can do but wait and try to build up your credit. In a year or so, it may be worth it to apply again.
In the event you cannot navigate the website, you can call Macy’s customer service department to activate your card at 1-888-257-6757. Business hours are Mondays to Saturdays, 9AM to 10PM EST and Sundays 11PM to 8PM EST. [2] X Research source
The pros are most store credit cards offer discounts and promotions for card holders. [3] X Research source With the American express, Macy’s offers 1. 5% cash back on purchases if you spend between $500 and $999 a year. If you spend over $1,000 a year at Macy’s, you get 3% cash back on purchases. If you’re a frequent Macy’s shopper, the card may be worth the cost. A store card can also help you build your credit history. Store cards tend to have very high interest rates. You also may end up being tempted to spend money you would otherwise save to meet spending quotas for store rewards. If you’re not a frequent Macy’s customer, and question your ability to pay off the card regularly, you may be better off passing on a Macy’s credit card. [4] X Research source
You can also make payments by mailing checks to the Macy’s branch associated with your credit card. This payment method can take longer, however, so make sure you mail in checks well before payments are due. [6] X Research source You can also pay by phone by calling the number 1-888-257-6757. [7] X Research source
