I've been a Macy's cardholder since 2007 and as far as I can see, I've never made a late payment with them. About a year ago, they bumped my credit card limit to $6500 with a $17.9% interest rate. I was finishing up college and I was running low on money, so I began using my credit cards. By the time I finally graduated college, I ran up my credit utilization over the 90% limit (around $12, 000 total). I found myself a job in early August and began paying off my cards. At this time, Macy's dropped my credit limit to the... read full review »