This card is just not worth the problems. 1. There is virtually no way to speak to a person when you have a problem 2. If you pay your bill in full before the due date you get a bill for a $2 fee the next month 3. When you get the automated system on the phone it says to not get a fee you must pay your bill before the due date. Apparently you get the fee no matter what. 4. Their web site has a chat option for customer service. It told me they were closed and they list when they are open, which was the same day and time I was trying. 5. The chat window had an option to send a message but that just takes you back to their main screen. End result: card ground up.

lovesshop

USA

I paid a bill in October at the Silverdale Kitsap Mall location. The "new" company is the notorious American Express. The billing department claims they did not receive payment. Good luck getting through on their hotline. The original bill was about $30. They now want about $60. THIS COULD HAPPEN TO YOU!!! The late fees are MASSIVE and they will lose you payment on purpose. DO NOT USE THIS CARD! I've reported Macy's Rewards to the Ohio BBB and will sue them if necessary.

RachelM15

Bremerton, WA

I only use my Star Rewards Macy's Red Card when I have to make large, high ticket purchases. I use the rewards earned from the card to put toward Christmas presents or for items that I can only get from Macy's. Before having this card I had their American Express card and had several problems with billing and getting things credited when they were returned. I have had the card for about four years and have been offered three credit line increases; since it is a Visa card I can use it anywhere that Visa is accepted but I unless it is a dire emergency I reserve this for use only at Macy's retail stores as well as online at their website. Billing is accurate but it does take up to 60 days for refunds or returns to be posted to your account so if your balance is on the low side you may have to call customer service and see if they can expedite the processing of it so that you can have a larger available balance. I usually pay the balance off when the bill comes but there have been times when I have only paid half and carried the balance until the next month. The card offers a lot of perks but you need to check the website for current promotions before you start shopping as some of them are limited time offers that could be expire by time your bill arrives each month.

abdoumadara

I love it!

First, you have to be discipline and only shop for what you can pay off. Be logical and sensible in your shopping. This is for all credit cards. You will be happy with this credit card if you listen to this advice. Macy's offers several incentives for opening a card. First, you get the discount for opening a card on top of discounts. If there is something that you want and you have the money to buy the item then it would be wise to open the card in order to get your card. You will have extra savings to save instead of spending on the full amount. Next, pay off the amount immediately after purchase so you won't be tempted to spend the money on anything else. You can then have the good feeling of saving money. Go on a sale day to get your items so you can get discount on top of discount. Macy's also sends discounts to your mail that you can use. Macy's loyal customers also gets rewards certificates for spending so much money. You can save so much money using the Macy's credit card. You will get notification of big sale dates so you know when the best time to go shopping

fr1987

USA

Initially I loved my Macy's Credit Card, it allowed me to gain an additional discount on purchasing items in-store and online - anywhere from 10% to 20% ... and back when I didn't always pay my full balance, I didn't notice the problem. But recently, I've used it to get the discount, and paid the FULL BALANCE of the amount owed, only to find a $2 financing charge on my next statement as well. I've called customer service several time to try and determine what the issue is, and no one can seem to resolve it for me. This is only a good card for you if you don't mind nonsensical fees and finance charges. Needless to say, I've stopped using the card, and now only go to Macy's when I can find coupons in the newspaper. Customer Service Everyone just passes you off to a "supervisor" ... I've spent up to 4 hours on hold, and STILL haven't had my issues resolved. I've tried calling at all different times during the day, on different days of the week, etc. etc. But it just feels like the call center must be understaffed ... or the putting you on hold business is a tactic to get you to hang up and go away. Available Rates Rates are fair.

maekokosa

USA

If I may say, this is my favorite Credit card of all as I love to shop at Macys and I use it all the time. Macys is my one stop shopping destination and if I am untraceable, probably Macys is the place you will find me. As of now lets talk about this Red card, it has helped me save hundreds of dollars. It is a membership card, free of cost and with good credit limit. Just do your payments in time and you are good to go. I have never had any dues or fees charged on this account. Recently I have been granted the Elite status that means more savings and probably more coupons to use. Being a member you have a upper hand in shopping because you get the discounts. Recently, i forgot to take my savings pass to the store and asked the representative if there is a way I can use the $25 off 100 discount although I do not have the pass. She asked me to swipe the card and there it was, the screen had all the savings passes under my name and that saved me a trip. Isn't it awesome??

anjali12

USA

I only use my Star Rewards Macy's Red Card when I have to make large, high ticket purchases. I use the rewards earned from the card to put toward Christmas presents or for items that I can only get from Macy's. Before having this card I had their American Express card and had several problems with billing and getting things credited when they were returned. I have had the card for about four years and have been offered three credit line increases; since it is a Visa card I can use it anywhere that Visa is accepted but I unless it is a dire emergency I reserve this for use only at Macy's retail stores as well as online at their website. Billing is accurate but it does take up to 60 days for refunds or returns to be posted to your account so if your balance is on the low side you may have to call customer service and see if they can expedite the processing of it so that you can have a larger available balance. I usually pay the balance off when the bill comes but there have been times when I have only paid half and carried the balance until the next month. The card offers a lot of perks but you need to check the website for current promotions before you start shopping as some of them are limited time offers that could be expire by time your bill arrives each month.

AlexFortune

Undisclosed

I was again intrigued by an offer to open a Macy's credit card to recieve savings with my purchase, so of course I decided to take advantage of it. I don't shop a lot at Macys, but if I do, I try to use my Macy's credit card savings pass. However, what I don't like, is that there are MANY exclusions when using their bonus savings pass that is suppose to be one of the perks for having/using their credit card. I buy a lot of make up at Macys, however, none of those can ever be discounted. A few of my favorite clothing brands, NOT discounted as well. You recieve a savings pass in the mail for using their Macy's credit card, and then you read the fine print, and most everything that I would normally be buying would be excluded from my special credit card savings. So, for this reason, I'm only rating them a six out of ten. Customer Service I have never had a problem with Macys customer service. Available Rates I have always paid my balance in full, so not sure of the rates.

becausebecause

USA

I shop at Macy's quite frequently and Macy's is one of my favorite stores to shop at so it only made sense that I should get their credit card. I'm not the type of person who signs up for store credit cards or has a lot of credit cards in their wallet. The main thing that drew me into getting this credit card was all the great perks and discounts that you get every month with this credit card. Lately I have been getting extra 20% off coupons as well as several $10-$20 off coupons a month. When I first signed up for my Macy's card I was only approved for $600 but now that I've been using it for quite awhile, and I have been paying it off right away I am well over $2,000 credit limit, which can be quite dangerous but I am responsible when it comes to paying off my credit cards. I usually pay it off right away when the bill comes up, so I've never had any problems with my Macy's Card. I don't regret getting the Macy's card because I've saved so much money on items I needed to buy anyways. The credit card was well worth it for me to get. The only downside about this card is the high interested rate, because it is an American Express card. This card can be used at other stores besides Macy's but because stores charge extra for American Express and the interest rate is so high I never use it anywhere else. I would only recommend the Macy's Credit card if you are a frequent shopper at Macy's and responsible at paying off your credit cards, otherwise this credit card could get you into a lot of trouble. I love this credit card for the discounts alone, otherwise I probably won't have gotten it. Customer Service I have never had a problem with Macy's or my Macy's Credit card. I pay off my bills as soon as I get them, and keep track of all my purchases. If I ever have a question the customer service employees are always very quick to answer and polite as well. Available Rates You have no interest rate for the first since months but after that since the Macy's credit card is an American Express Credit Card the interest rate is pretty terrible. It is 24.50%, so if you aren't paying off your Macy's card frequently or all at the same time then your credit card is going to rack up a high interest rate. It's not worth it if you can't afford to pay off your Macy's card right away. If you can afford paying it off when you get the statement then I would definitely suggest to get one because the discounts are great, but he discounts won't mean anything when you are paying double or triple in interest rate. So that is something that you should be careful with.

xheather570xx

Stroudsburg, PA

I, like many other reviewers on here, simply got the credit card to get the discount when I was checking out at Macy's. I do not shop at Macy's that much but I thought it was okay to have just in case. I started with the "preferred" card and moved up to the "elite" one. I paid off my balance in full after each card use. I liked that I could pay in store or online. For this being a "rewards" card, you do not really get any rewards. Occasionally there will be a coupon sent to me but usually it is for stuff I would never buy. I had no reason to keep the card anymore so I chose to cancel it. That first 15% off discount was the only reward I got for using it. Customer Service I found the customer service representatives to be less than helpful. I had a problem with them claiming I had missed a payment when my bank account said otherwise. I called customer service and the lady became very short with me. It was finally resolved and it turned out the mistake was indeed on their end.

evlmidget

Undisclosed