Macy's VISA ripoff double changed me double with a "revolving" charge decreased my credit limit without notifying me in the mail sent me a "PIN" number this week without me asking for one have not recieved a bill for last month or this month Madison Ohio

The macys visa is two seperate accts. The visa # is on the front of the card & the macy's store # is in code on a magnetic micro chip in the back of the card. It is a Visa everywhere in the World that takes Visa EXCEPT INSIDE MACYS. Inside Macy's it is a Macy's store card. The two accounts have different due dates, different acct. #'s, different limits, etc. Nothing you buy from Macy's, on the card can ever go on the Visa acct. There are two seperate statements. Each statment has the due date & acct # for the acct. It is not possible that a person could but items inside Macy's & have them charged to the Visa too. The charges to the Visa must be from something else that was bought from another merchant that has nothing to do with Macy's. If there are charges in question on either acct. the cust can put the charges 'in dispute' where an adjustment pending is placed on the acct until the case is investigated. Then, if the charges are not supposed to be there, they are removed. The customer is not responible for the amount pending, or interest, etc. on this amount untill the dispute is resolved.

That is why we have a customer service dept. We can solve people's problems if people cooperate with us instead of telling us what they THINK is wrong & what they WANT done. We need to look at the acct. & fiquire out if it is right or wrong. If it is wrong, we fix it. If it isn't wrong, we try our best to explain to unreceptive customers why it is as it is.

Credit lines are reduced for late payments, & for outside credit scores that go below certain guidlines. WE don't know why people's credit scores drop, but we can send them an 'adverse action' letter that entitles them to a free credit report so they can see why their score is so low.

If your credit score is low, or you are late on payments, don't expect Macy's to bankroll you to bury yourelf in deeper debt than you are sensible enough to avoid.

The macys visa is two seperate accts. The visa # is on the front of the card & the macy's store # is in code on a magnetic micro chip in the back of the card. It is a Visa everywhere in the World that takes Visa EXCEPT INSIDE MACYS. Inside Macy's it is a Macy's store card. The two accounts have different due dates, different acct. #'s, different limits, etc. Nothing you buy from Macy's, on the card can ever go on the Visa acct. There are two seperate statements. Each statment has the due date & acct # for the acct. It is not possible that a person could but items inside Macy's & have them charged to the Visa too. The charges to the Visa must be from something else that was bought from another merchant that has nothing to do with Macy's. If there are charges in question on either acct. the cust can put the charges 'in dispute' where an adjustment pending is placed on the acct until the case is investigated. Then, if the charges are not supposed to be there, they are removed. The customer is not responible for the amount pending, or interest, etc. on this amount untill the dispute is resolved.

That is why we have a customer service dept. We can solve people's problems if people cooperate with us instead of telling us what they THINK is wrong & what they WANT done. We need to look at the acct. & fiquire out if it is right or wrong. If it is wrong, we fix it. If it isn't wrong, we try our best to explain to unreceptive customers why it is as it is.

Credit lines are reduced for late payments, & for outside credit scores that go below certain guidlines. WE don't know why people's credit scores drop, but we can send them an 'adverse action' letter that entitles them to a free credit report so they can see why their score is so low.

If your credit score is low, or you are late on payments, don't expect Macy's to bankroll you to bury yourelf in deeper debt than you are sensible enough to avoid.

The macys visa is two seperate accts. The visa # is on the front of the card & the macy's store # is in code on a magnetic micro chip in the back of the card. It is a Visa everywhere in the World that takes Visa EXCEPT INSIDE MACYS. Inside Macy's it is a Macy's store card. The two accounts have different due dates, different acct. #'s, different limits, etc. Nothing you buy from Macy's, on the card can ever go on the Visa acct. There are two seperate statements. Each statment has the due date & acct # for the acct. It is not possible that a person could but items inside Macy's & have them charged to the Visa too. The charges to the Visa must be from something else that was bought from another merchant that has nothing to do with Macy's. If there are charges in question on either acct. the cust can put the charges 'in dispute' where an adjustment pending is placed on the acct until the case is investigated. Then, if the charges are not supposed to be there, they are removed. The customer is not responible for the amount pending, or interest, etc. on this amount untill the dispute is resolved.

That is why we have a customer service dept. We can solve people's problems if people cooperate with us instead of telling us what they THINK is wrong & what they WANT done. We need to look at the acct. & fiquire out if it is right or wrong. If it is wrong, we fix it. If it isn't wrong, we try our best to explain to unreceptive customers why it is as it is.

Credit lines are reduced for late payments, & for outside credit scores that go below certain guidlines. WE don't know why people's credit scores drop, but we can send them an 'adverse action' letter that entitles them to a free credit report so they can see why their score is so low.

If your credit score is low, or you are late on payments, don't expect Macy's to bankroll you to bury yourelf in deeper debt than you are sensible enough to avoid.