As a former employee in the credit customer service department at macys I quickly learned of the misleading, pressuring, and greedy tactics that this company uses. Here's the scam: the sales associate pressure you to save 20% by opening up a "department store credit card" then they don't tell you that if your NOT interested in an American Express card you must check i TINY box located in the fine print. Some people don't even realized that they have this major credit card for years, until they review they credit bureau report. Then when they close the account it brings down their credit score. Then theres the mailed in payments for their credit cards. NEVER mail in your payment, even if you mail it 4 weeks in advance of the due date, they can post the payment after the due date because there is no way for a consumer to prove when it was received, resulting in late fees, interest charges, and a derogatory remark against your credit report.