How to pay your Macy credit card
You can pay your Macy credit card bill online through your account, by phone, by mail, or in person at a Macy's store. The fastest method is online through the Macy's website or mobile app, where you can make a one-time payment or set up automatic payments. If you prefer to speak with someone, you can call the customer service number on the back of your card. Payments made online or by phone typically post within one business day.
Your bill is due on the date shown on your monthly statement. If you pay after that date, you may be charged a late fee and interest on your balance. Setting up automatic payments ensures you never miss a due date, though you can still make extra payments anytime without penalty.
Key Takeaways
- Online payment through the Macy's website or app is the fastest way to pay and posts within one business day.
- You can set up automatic payments to be deducted from your bank account on a date you choose each month.
- Phone payments are available by calling the number on your card, and mail and in-store payments are also options if you prefer those methods.
- Payments made after your due date will trigger a late fee and interest charges on your remaining balance.
- You can make extra payments toward your balance at any time without fees or penalties.
Paying online through your Macy's account
Log into your Macy's credit card account on the Macy's website or open the Macy's mobile app. Once you're signed in, look for a "Pay Bill" or "Make a Payment" option, usually found in the account menu or dashboard. Enter the amount you want to pay and confirm your bank account information if you're paying from a checking or savings account.
You'll see the payment date before you submit. Online payments typically post to your account within one business day, though the exact timing depends on when you submit the payment during the day. If you pay before 11:59 p.m. Eastern Time, it usually posts the next business day. Payments submitted after midnight may post the following business day.
Setting up automatic payments
Automatic payments remove the worry of missing a due date. In your Macy's account, find the "Automatic Payments" or "Autopay" section and select the amount you want to pay each month — you can choose to pay your full statement balance, a fixed dollar amount, or just the minimum payment. Then choose the date each month when the payment should be deducted from your bank account.
You can change or stop automatic payments anytime through your account, and there's no fee for using this service. If you set autopay to pay your full balance each month, you'll avoid interest charges as long as you don't make new purchases after the payment is processed.
Paying by phone
Call the customer service number printed on the back of your Macy credit card. A representative will ask for your account number and the amount you want to pay, then confirm your bank account details. Phone payments are processed the same day you call and typically post within one business day.
Phone payments work well if you have questions about your bill or need help setting up a payment plan. Keep in mind that customer service hours may be limited on weekends and holidays, so check your card or the Macy's website for current hours before calling.
Paying by mail
Write a check or money order payable to Macy's and include your account number on the check. Mail it to the address shown on your statement — this address is specifically for payments and is different from the Macy's corporate office. Mail payments typically take 7 to 10 business days to arrive and post to your account, so send your payment well before your due date to avoid late fees.
Include only the check and a portion of your statement if you're sending one. Do not send cash through the mail. If you're unsure of the mailing address, call the number on your card or check your online account, where the payment address is usually listed.
Paying in person at a Macy's store
You can walk into any Macy's location and make a payment at the customer service desk. Bring your credit card or account number and the amount you want to pay in cash or by check. In-store payments are processed when ready and post to your account within one business day.
This option works well if you're already shopping or prefer to handle payments face-to-face. Not all Macy's locations may offer this service during all hours, so call ahead or ask at the customer service desk when you arrive.
Understanding your due date and late fees
Your payment due date is listed on your monthly statement and is typically 21 to 25 days after your statement closes. If your payment is not received by that date, Macy's will charge a late fee — the amount varies but is typically between $25 and $40 for the first late payment. A second late payment within six months may result in a higher fee.
Late payments also trigger interest charges on your remaining balance if you carry one. The interest rate on your Macy card is shown in your account and on your statement. Paying on time protects you from these extra charges and helps maintain a good payment history on your credit report.
Frequently Asked Questions
Can I pay my Macy credit card with a different bank account than the one I used to open the card?
Yes. When you make a payment online or by phone, you can enter any bank account information you want to use. You don't have to use the same account you linked when you opened the card. Just make sure the account is in your name and that you have the routing and account numbers correct.
What happens if I pay more than my full balance?
The extra amount becomes a credit on your account and is applied to future purchases or payments. You can also request a refund of the overpayment by calling customer service, though this may take a few business days to process.
Is there a fee for paying my bill online?
No. Macy's does not charge a fee for online payments, automatic payments, or phone payments. Mail and in-store payments are also free. The only charges you'll face are late fees if you miss your due date and interest if you carry a balance.
How do I know if my payment went through?
After you submit an online or phone payment, you'll receive a confirmation number and a confirmation email. You can also log into your account anytime to see your payment history and current balance. Payments typically show as pending for one business day before they post.
Can I set up automatic payments to pay only the minimum?
Yes. When you set up autopay, you can choose to pay your full statement balance, a fixed amount, or the minimum payment due. Keep in mind that paying only the minimum means you'll carry a balance and pay interest, so paying more when you can will save you money.