First off the Macys card is a good deal for most folks who shop there. Most associates just want to do the job and save you money - however if you run into the wrong one, forget refinancing your home or anything else. Here is how some of the dishonest scams work in the stores. You want to purchase something and don't have your card with you - you can be looked up in the system with your drivers liscence and social security number to make the purchace however if you are asked for an additional credit card and see things on the screen STOP... read full review »