Beware of Macy's. When you open a store charge, they open multiple accounts without your knowledge. When you send a payment, they don't credit it correctly, resulting in late charges and harassing phone calls. They NEVER credit back the late charges, even though the errors are theirs. I requested ALL of the accounts be closed - I've yet to see if they can get that right. I had a stellar credit rating until opening Macy's credit. This has been the worst credit experience of my life. I am 58, so that's significant. read full review »