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 IMMEDIATLEY and ask for a manager. You are being put back into the system and your credit will be checked even though you already have a card so that the associate can get a prize. You come and and your Macys card has an expiration date on it that has passed. The associate tells you that you need to be "put back into the system" NOT TRUE your credit has just been checked without reason. A Macys card is always good in the store unless you actually closed it. You think you want to open an account but decide you don't want to hand over your social security number (I assure you its safe) the associate either tells you to put in your drivers liscence number or puts a number in for you. It does not work that way. Again most people are honest about opening your account and it offer really good deals but the bad ones persist even after being reported repeatedly. The also seem to pray on the elderly and individuals who speak less than perfect English. Some of us have paid dearly for being whistle blowers. Bottom line if it does not seeem right insist on seeing a manager or speaking to the credit department on the phone - protect yourself and trust your instints. Hope a smart attorney finds this and gets them to stop