Macy's Credit Card Services
Card Application Opened Two Accounts, Unpaid $18 Balance Hurt Credit Score

I signed up for a Macy's card (singular) in order to receive a discount on some clothes. I made my payments as my bills came. I went in to the store to make my final payment, leaving me with a zero balance. The cashier told me what it was, so I paid it.

About a week later I go on to the website to view my balance. It says 0.00, so I was shredding my statements as they came. Unbeknownst to me, the 0.00 balance is on a Visa account Macy's gave me when I opened my card. Why when I go on the Macy's website and enter the number on the Macy's card, why does it show me a balance for a Visa account, and not the store account? It's also conveniently named "Macy's Visa Account", leading you to believe it is your store account, when in actuality the Visa side has nothing to do with Macy's.

Long and short of it is, there was still an 18 dollar balance on the Macy's side of the card, which I did not find out about until I saw the hit on my credit. This effectively dropped my credit score 57 points. I am now concerned I will have trouble getting a loan for a home. At no point was I aware I was opening two accounts. At no point did I receive two separate statements sent in the same envelope from Macy's. When I went in the store to make the now 51.00 dollar payment, the first account she pulled up was the Visa... Why is that? I'm in Macy's with a Macy's card to pay a Visa balance? This is seriously messed up, and something needs to be done. I want my good credit back. Their phone operators speak poor English, and are not helpful. I honestly got transferred to a guy that after listening to me rant for five minutes said "Sir, there is nothing I can do, since I do not have your info in front of me" What exactly do you do then?!?!

Company: Macy's Credit Card Services
Country: USA
State: Delaware
City: Newark

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