Macy's card is the most abusive card in terms of terms and conditions. For example, if you make a return before the bill cycle closes, most of the credit cards will deduct the amount of return from your bill immediately. However, Macy's would not. If you don't pay the previous bill in full (although you already returned the item), you will be charged the finance charge and then the next cycle, your balance will be negative for the amount of your return reduced by the finance charge. This way, not only you would pay the finance... read full review »