We haven't missed a payment on a credit card in years - somehow a paperless statement from Macy's got missed and we missed a payment. The very next month before we were aware of the missed payment, and before we could make the back missed payment, Macy's sent us to collection. As we are just refinancing our house, this lowered one of our credit scores over 50 points, and will cost us over $30, 000 dollars for the life of the loan. Macy's refuses to fix our credit account, and the bad thing is it made us so mad we cancelled... read full review »