I think you all need to read the Terms and Conditions BEFORE applying for a credit card, I mean, seriously, all of you would not be in this situation if you had done that!!! Macy's is no way at fault, don't switch blame when you can't admit to your mistakes!!! If you sign-up for a Macy's card and did not realize its a VISA, how is that Macy's fault, because you didn't have the time to read-up and make an adult decision, come on people, take responsibility for your actions!!!