Macy's overall credit process is clogged with too many additional features. For example, every coupon you receive is recorded on your account. Even when their credit processing system is working, the sales process in the store gets slowed down to a crawl because of the savings coupons attached to each account. The clerk can spend up to 10 minutes during a transaction explaining to the customer which coupon is best. Their system of providing coupon savings to credit card customers is cryptic and time-consuming.Also, prior to Black Friday, I was making a purchase in a Massachusetts Macy's. I was behind a customer who wanted the best coupon option for her purchase. after 10 minutes the transaction was completed and then voided, because the clerk thought of another coupon that the consumer had on file that would reduce the price of the previous transaction. They need to rethink their credit sales promotions for transparency and ease of use.