First off, know that I have been a Macys charge cardholder since the early 1970's. That dates me but I've had lots of experience shopping with them. And aside from an occasion able beef about three deeming their coupons over the years, all in all I've been satisfied until the last 2 years. I have t liked their inventory or their prices as well as other stores. One event though, as made me part ways with the Macy's I've done business with. I paid off my charge with them through their online site. I had no idea that they then tacked on a $4.00 service charge on my account, where it sat unnoticed by me for 3 months. By the time I saw it, there were more charges. Ok my fault, should have checked. What happened next though is unforgivable. After all the years of charging and paying on time, Macy's reduced my credit limit down to $100.00. I called them, explained that I didn't know I had a service charge, paid them over the phone. Guess what they said. Basically, "too bad, that's our policy" So, Macy's, "too bad" for you. With customer service like that, you are killing your customers off. There are too many good retailers out there to put up with your bad policies.