Credit story

Joined: 12 Dec 2007 Posts: 883

This is kinda long but I found it online and thought it was pertinent to all our "OPEN CREDIT" stories!

In the past year, my Macy*s store account credit limit has adjusted four times without my knowledge. Each time the credit limit has dropped from $1,500 to $1,200 to $1,000 to $800. Each time the drop occurred I only found out because I was in Macy*s and the cashier rudely told me my card declined. Rather than helping me with the situation they sent me up to their 'courtesy' phones that are linked straight to their credit department. Each time was equally embarrassing and felt like I was being sent to the principal's office for my due punishment. Each time I called I got the bad news.
So when I called the credit department in store today they told me my limit had be downgraded again and that they'd transfer me to the credit department (I thought I was already speaking to them) to see if I could have an increase. The man rudely advised me no I could not - not like I exactly asked considering I was simply transfered away from the original agent. So that was that, I left the store head hung low without a purchase in hand. I will not buy their merchandise without their coupons because its simply overpriced otherwise and you can only use the coupons with their stupid credit card.

Well, today I was fed up with this ever moving credit line that leads only to in store embarrassment. As I headed to the parking lot my temper boiled. I made a special trip out to the mall and spent a lot of time, that I did not have, finding the items I wanted to purchase. Having been the fourth time this happened to me was enough! As soon as I got in the car I called the credit department on my own cell phone and went into a tirade. I lit into them for not advising me of my credit limit decrease, especially considering just three days before I received a brand new Macy*s platinum card in the mail, where they had the perfect opportunity to let me know it was now only $800. The women on the other end became insta-defensive of Macy*s inane and unpublished procedures on not letting their customers know their credit limit. I said that I was sink of being embarrassed by rude customer services associates and like a well trained robot she read from her 'Customer Service 101" script of platitudes and fake apologies. I was then extremely angry and screamed you can be as "nice" as you think you are being, but shove it - cancel my account! I won't be embarrassed in your store again!" She then replied off of her script again "If I issue you a 15% off shopping pass, is their anyway I can prevent you from closing your account today?" I said "No! I already have about 20 stupid coupons at home that all have about a 112 exclusions anyway - plus my card doesn't work!" She then retorted angrily "Well the account is closed!" I then hung up.

They do not publish your credit limit on there website where you can check your account activity, nor when they issue you a new card. I know this for a fact because in the past year I got upgraded from their basic card to a gold card and then last week to a platinum card. So as I ascended their credit ladder of customer proof of purchase I was downgraded in credit limit (each upgrade corresponds with a dollar amount spent during the past year). I do not receive paper statements so I have no idea if they publish the credit limit there; I rely on my online statements as I do not like crap clogging up my mailbox.

Macy*s and I are friends off! I spent ungodly amounts of money at that store in my life especially considering what I earn per year as a student! Nothing makes me instantly pissed like a customer service person reading a script like a robot. They have no compassion for people and their problems. I have worked countless jobs in customer service from being a bagger at a grocer to one of those people on the other end of the phone in a call in center and it takes not an ounce of effort to show a person compassion for the misgivings of the company - might I add without giving the company an admitted black eye either. From the original customer associate in the store that sent me away to the courtesy phones to the three other people I spoke along the rocky road to account closure they could have easily assuaged the situation. Anything from a mere "I'm sorry about that, I'll certainly let my supervisor know of your concerns regarding our policy on advising customers of their credit limits - can I have you contact information so we can get back to you?" Or, "You had a rude associate in the store? Do you know their name so we can address this so you or any other customer never gets embarrassed again!"

Oh well, just another bad customer service experience and another store that will lose my business. I didn't really need the extra debt anyway!

Joined: 20 Jan 2008 Posts: 308

Bravo!!!

Posted: Tue Mar 18, 2008 12:27 pm Post subject:

"They have no compassion for people..." We can all relate to THAT statement, can't we???

Although I feel this woman's pain, her limit was most likely dropped b/c she didn't pay her bills on time. My limit keeps going higher and higher, and I don't want such a high limit. They never tell me that they are raising my limit.

But I still agree with the statement, Macy's doesn't care about anyone, customers or employees.

Joined: 19 Feb 2008 Posts: 289

Posted: Tue Mar 18, 2008 4:32 pm Post subject:

*AHEM*

To Whom It May Concern,

As a valued Macy's consumer, we are taking into consideration your tirade of our company's policies and procedures concerning credit and the decrease in your limit that we regretfully have failed to inform you. Macy's assures you that our employees have been fully versed and schooled in various of methods of opening credit and how to handle difficult situations should problems like this one should arise. Reading from the Macy's 101 pamphlet is a common procedure that demonstrates our employees are being proactive. Due to your credit and purchase history with Macys, our company feels that you do not spend enough in any of our fine locations so we cannot accomdate you in upgrading your credit limit. However, we do want to offer you the opportunity to upgrade your gold Macy's card to an off color bronze. As an off color bronze card member, you will reap the benefits of receiving late billing cycles, a high APR, rude operator service, and additional rewards and certificates with more exclusions and expiration dates that you can shake a finger on. In addition, we will send you a 15% discount coupon for any inconvenience this may have caused. Please note the hundreds of exclusions on the back. Rest assured, Macy's strives for outstanding customer service and it is our job to ensure that all our customers are satisfied with our services. For any questions or concerns, please call the international number below since we now have outsourced all credit calls to Sri Lanka and India and please shop with us again soon.

Sincerely,

Macy's Credit

Joined: 03 Jan 2008 Posts: 1214 Location: ole wrap stand

well I guess my credit has drop too..from black to sliver..I really dont care I charge and then paid it off with my DEBIT CARD..which I really love..I use to have 2500.00 oh well I be dont to the basic red..soon.. Evil or Very Mad

Its nice to see Money is back..along EX..too..hehehehe!! Evil or Very Mad

Posted: Wed Mar 19, 2008 1:19 am Post subject:

Polli, that's what I do too...charge to get the discount, and then turn around and pay it off right away. Otherwise, you're not really getting a discount b/c of the interest.
I don't buy as much anymore, since they cut our discount, don't let us use coupons, and force us to dress like vampires every day.

Joined: 03 Jan 2008 Posts: 1214 Location: ole wrap stand

well that is interesting..we could use the coupons..that is only way they could get me to buy..vwg Evil or Very Mad

Posted: Thu Mar 20, 2008 2:29 am Post subject:

Hecht's never told me my credit limit. I had to call the credit center to find the limit on my card. My card went from green to red and never changed again.

Bloomingdales on the other hand clearly tells you what the balance is. I got a Bloomingdales card to save on a bottle of Prada cologne that I just had to have!

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