Effing macys lost my address, dinged me, and now I have to argue with all 3 companies

[lindysalsagal]

Over a stupidly small bill, no less. PISSED!!!!

[Cracklin Charlie]

1. They did something similar to me, years ago.

Over a charge that I made to buy a birthday gift, $35.

I somehow managed to get it all rectified after about six months, at which time they wrote to let me know they had increased my credit limit. I promptly closed the account and never went back.

[lindysalsagal]

2. They cancelled my card. I'll wait to see if they send me a new one, but I don't need it.

Idiots. They knew where to send the cancellation letter, but not the bills?????

[lindysalsagal]

3. OK I'm in credit card phone hell. Change to online pay when you move.

They will never be able to send your bills to your new address. That's too hard. BUT they WILL be able to send any unpaid bills that THEY lost to the credit reporting companies.

So, cancel your cards as soon as you move and start over with new ones at the new address. This is hopeless. I've been o nthe phone for hours and they bungle everything.

Dump your macy's credit card now and save yourself the trouble.

[Phentex]

4. I feel ya!

many years ago, I was making a large purchase at Macy's (where I rarely shopped) and they talked me into the open a new credit card and save 20% today thing. I don't usually do this but I thought what the heck. It was all done electronically in about 60 seconds.

What they failed to tell me was I would be getting a Macy's american express card (which I did not need) AND a macy's credit card. I mean, who applies for TWO cards at the same time?

So both of them showed up in the mail. Alright, my mistake. I set up an account online and I waited for my bill to come for the purchases I had just made. Nothing. Turns out I was supposed to open a SEPARATE online account for the Amex card. And where did the bill go? To THAT account. So I was already late before I even got a bill. I called and they took off the fees. I couldn't close the account because of the promotion. But I finally did.

Maybe a year or two later, I was at Macy's for something and I tried to use the Macy's card. It wouldn't go through. They said because I had not made a purchase in more than a year, they suspended the account. But I still had to close it myself. Which I did and haven't looked back!

[lindysalsagal]

5. I'm sure they'll attempt to resign me, and I'll refuse. Badly run company.

Macys is hanging on by a thread, anyway. I've already got way too much credit.

[csziggy]

6. When I was buying new towels for our new house, I did that

It was the only time I have ever been inside a Macy's. They took 20% off the already on sale towels and linens when I filled out the application. Later I got the new card and then the bill in the mail. I paid the bill and haven't been in a Macy's since. I didn't bother closing the account - I knew they would shut it down if was never used again.

I've read that closing accounts in good standing hurts your credit score and I have several accounts I do not use anymore that have never been closed but that are marked as "inactive."

My GM Mastercard is one. I applied for it to build up points towards a car. For some reason, they put it into my husband's name and me as a "cardholder." When there was a problem with the account they would not talk to me, they'd only talk to my husband. So I paid it off, put the card in the closet and haven't used it since. Haven't bought a GM car since, either. I think we had about $7,000 worth of points, too.

AT&T Universal Card is heading that way, for the same reason. I'm the one that makes sure the bills get paid, but they won't talk to me or add me as co-account holder. They need my business more than I need their card.

[Phentex]

7. easy work-around...

you wait a day or two after calling. Call back and when they ask for your name, use your husband's. They may ask for some verification like last 4 digits of SS# or mother's maiden name but more than likely you will know all of the answers because you probably set up the account. Then do whatever it is you were trying to do a few days before.

My husband has a masculine sounding name but no one has ever given me a hard time about using it. I have his permission because he cannot stand dealing with any kind of customer service crap (who does?!) I also have power of attorney (but it was not put in place for this reason.)

[csziggy]

8. I was too pissed off at them to do that

For one, thing *I* had applied for the GM card, with me listed as the primary account holder. They were being sexist assholes and flipped the names. They did this without contacting us so we didn't realize it had happened for a couple of years.

AT&T was even more egregious - originally I had AT&T long distance on the two phone numbers I had: personal phone in my name only, and the one in my business name. AT&T offered a long distance calling card - this was back in the late 1970s, early 1980s - so I could make calls from other than the phones at my house and business. As time went by, the calling card morphed into a credit card.

My husband had nothing in his name having to do with AT&T until I added him as a cardholder onto the credit card. Whichever bank handled the AT&T card was another sexist company - they then put my husband as the primary account holder and set me as subservient to him even though it was MY account which led to the credit card.

The cards we have kept (two Mastercards and a Discover card) are perfectly happy to had us as co-account holders with no hassles. They give us more access to credit than we need. Since we really do not need the other credit cards, it is easier to just stop using them than to play games with them.