Macy's store card is not a regular credit card - it can only be used for purchases at their department stores.
You’ll receive fifteen percent off all purchases for two days after you receive the card. So you might want to apply when you know you have a lot to buy.
As with most department store cards, Macy’s works on a point system. The more you spend the more points you can apply toward future purchases. Just be careful and don’t fall into a spending trap simply to rack up more store credit.
You’ll be privy to monthly cardholder-only savings events. Take advantage of these sales by waiting to spend until you get a sale notice in the mail.
Returns are easy. Cardholders have up to 180 days to return an item even without a receipt.
Free gift wrap, basic alterations and package delivery (up to $60) for those who spend at least $1,000 a year on a Macy’s card.
Bottom line: If you shop at Macy’s a lot anyway, this is a good card to have in your wallet. The special sales events and services make it convenient and economical…But only if you pay the entire bill every month.
So, if you plan a one time shopping at Macy's you can apply for this STORE credit card, do your shopping, pay the balance in full (
so soon you get the bill - they are well known for posting payments late and charging additional fees for being late!) and forget about the card. But you have to pay the balance in full, because the interest rate is very high -
24.50 %
Here is the "fine" print:
*Subject to credit approval. The new account discount (the "Discount") is valid on merchandise purchases made at Macy's the
day you are approved and the following day and charged on your new Macy's Account. The Discount
cannot be combined with other discount offers except where indicated and it may not be applied to previous purchases.
The Discount does not apply to services, select licensed departments and Gift Cards.
On furniture, mattresses and floor coverings, the Discount savings is limited to $100. Applicants must qualify for immediate approval to receive the Discount; applications requiring further processing will not receive the Discount. Employees of Macy's Inc. are not eligible.
The Discount percentage may differ on store purchases. For your convenience and record keeping, the Discount will appear on your statement. It will
not appear on your register receipts or during checkout on macys.com.
Make sure that you know the discount % before you do the purchase.
You might want to read this:
http://www.cardoffers.com/Credit-Car...s-Credit-Card/
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
