I am extremely disappointed to learn that Macy’s recently closed my credit account without cause. When I signed up for the card, it was under significant pressure from the checkout clerk, who insisted I would receive a 10% discount. Like many, I’m familiar with how these predatory practices work—offering credit in exchange for discounts has become second nature to retailers.At the time I applied for the card, I made an initial purchase of home goods and clothing totaling over $300. I was fully aware the card’s interest rates would be astronomical, so I made sure to use it carefully. I paid off that initial purchase in full within days, owing no interest. A few months later, I bought coats for my children, took advantage of my Star Rewards points, and paid off the nearly $800 balance in full on my next payday. Afterward, I made another purchase of men’s shoes, returning one pair and promptly paying off the remaining balance.Despite keeping my account in excellent standing and paying every bill on time, Macy’s abruptly closed my account. Their reasoning? "Inactivity." This decision impacted my credit score, as they had falsely approved me for a significant credit limit at the time of application. I assume they anticipated I would overspend and carry a balance, allowing them to profit off interest. Instead, I managed my credit responsibly, and their response was to penalize me.As a single widowed parent juggling private school tuition, college tuition, a mortgage, and a car loan, I’ve worked hard to rebuild my credit after past challenges. This experience feels like a slap in the face. Macy’s clearly doesn’t value responsible customers. Their predatory credit practices aim to exploit shoppers, encouraging overspending, which ultimately hurts us all.This experience solidified my decision never to shop at Macy’s again. Their products can be found elsewhere online, often at better prices, without the added hassle of dealing with a company that disrespects its customers. It’s no wonder Macy’s is closing stores—they don’t want loyal, responsible shoppers; they want customers they can take advantage of.I’ll be writing to the credit bureaus to explain how Macy’s canceled my account despite an excellent payment history, causing unnecessary harm to my credit score. Hopefully, I can mitigate the damage they caused, but I’ve learned my lesson: Macy’s isn’t worth my time, loyalty, or money. They didn’t value me, and now, I don’t value them.
