I'm sure I'm not the only one who signed up for this card when we registered there lol I'd been debating it in the past, so this pushed me over the edge for the extra rewards.
Anyway, what I did NOT know was that it gave me two lines of credit...not only do I have the store card, it's the American Express one that has it's own separate line within the same card. It only uses the AmEx account if you use it outside of Macy's. Seriously...I just wanted the store card! Nobody told me I'd be getting the other half!! I'm really hoping this doesn't hurt my credit...does anyone know? Like, does it just count as one ding to my credit score when they did the inquery? Will they take the AmEx part away if I never use it? The APR is nearly 25% on it...no way in heck I will be using it unless it will be paid off immediately. And they do not give you a credit limit for the store card, but apparently do for the AmEx-yet I have no clue what the limit is (it doesn't tell me online...maybe with my first statement?)
Just a warning to anyone that goes into Macy's and decides to get the card! Apparently it does not happen in all cases, but they did not even give me a choice. Perhaps I should have read further into the fine print, but I still expected them to tell me!!
