What the Macy's American Express card is and how to pay it
The Macy's American Express card is a store credit card issued by Citibank that you can use to make purchases at Macy's and Macy's.com. When you use the card, you receive a monthly bill that you need to pay by the due date shown on your statement. You can pay this bill online through your Citibank account, by phone, by mail, or in person at a Macy's store.
The card works like any other credit card: you charge purchases, receive a statement each month, and then choose how much to pay. If you pay the full balance by the due date, you avoid interest charges. If you pay less than the full amount, the remaining balance carries over to the next month and you'll be charged interest on it.
Key Takeaways
- You can pay your Macy's American Express bill online at the Citibank website, by calling Citibank's customer service number, by mailing a check, or at a Macy's register.
- Your monthly statement shows the due date, and paying by that date keeps you from being charged a late fee.
- Paying the full statement balance by the due date means you won't owe any interest on your purchases.
- Setting up automatic payments through your Citibank account ensures you never miss a due date.
Paying online through your Citibank account
The fastest way to pay is through the Citibank website or mobile app. Go to citibank.com or open the Citibank mobile app, sign in with your username and password, and select your Macy's American Express card from your account list. You'll see your current balance, due date, and minimum payment amount.
Click the "Make a Payment" or "Pay Now" button. Enter the amount you want to pay — you can pay any amount from the minimum payment up to your full balance. Choose the date you want the payment to be processed (usually the same day if you submit before the cutoff time, or the next business day). Review the details and confirm the payment. The money will be deducted from your bank account on the date you selected.
If you want to pay automatically each month, you can set up autopay through the same account. Choose whether you want to pay the full statement balance, the minimum payment, or a fixed amount each month, and select the day of the month you want the payment to occur. This removes the risk of forgetting a due date.
Paying by phone
You can call Citibank's customer service number to make a payment over the phone. The number is on the back of your card and on your monthly statement. Have your card number and bank account information ready.
A representative will ask you how much you want to pay and what date you want it processed. They'll confirm your bank account details and the payment amount before finalizing the transaction. Payments made by phone are usually processed the next business day. Keep a record of the confirmation number the representative gives you.
Paying by mail
You can mail a check or money order to the address shown on your monthly statement. Write your account number on the check and include the payment stub from your statement if one is provided. Mail your payment at least one week before the due date to may support it arrives on time.
Payments sent by mail take longer to process than online or phone payments — typically five to seven business days from when Citibank receives it. If your payment arrives after the due date, you may be charged a late fee even though you mailed it on time. For this reason, mailing is the least reliable method if you're close to your due date.
Paying in person at Macy's
You can walk into any Macy's store and make a payment at the customer service desk or register. Bring your Macy's American Express card or your account number. You can pay with cash, a debit card, or another credit card — not with the Macy's American Express card itself.
In-store payments are processed when ready and applied to your account the same day. This is a good option if you prefer to handle payments face-to-face or if you're already shopping at Macy's. Ask for a receipt showing the payment amount and confirmation number.
Understanding your statement and due date
Your monthly statement arrives by mail or email (depending on your preference) and shows everything you charged during the billing period, any fees, interest charges, and your current balance. The statement clearly displays your due date — this is the last day you can pay without being charged a late fee.
The statement also shows your minimum payment, which is the smallest amount you must pay to stay in good standing. However, paying only the minimum means the rest of your balance will be charged interest. The interest rate on the Macy's American Express card varies based on your creditworthiness and current market rates — check your statement or Citibank's website for your specific rate.
If you don't receive your statement by email or mail, you can view it anytime through your Citibank account online. This is also where you can see your payment history and check whether recent payments have been processed.
What happens if you miss a payment
If your payment doesn't arrive by the due date, Citibank will charge you a late fee. The amount of this fee depends on your account history and Citibank's current policies — check your statement or account terms for the specific amount. A late payment also appears on your credit report and can lower your credit score.
If you realize you'll miss the due date, contact Citibank as soon as possible. Explain your situation — sometimes they can waive a single late fee if you have a good payment history. Even if they can't waive the fee, paying as soon as you can limits the damage to your credit and prevents additional fees from accumulating.
Frequently Asked Questions
Can I pay my Macy's American Express card with another credit card?
No, Citibank does not accept credit card payments for the Macy's American Express card. You can pay with a debit card, bank transfer, check, or cash, but not with another credit card. This is standard practice for most credit card issuers.
How long does it take for an online payment to show up on my account?
Online payments typically post to your account the same business day if you submit them before the cutoff time (usually early afternoon). If you submit after the cutoff or on a weekend, the payment will process the next business day. You can see the payment status in your Citibank account when ready after you confirm it.
What's the difference between the minimum payment and the full balance?
The minimum payment is the smallest amount you must pay to avoid a late fee. The full balance is everything you owe. If you pay only the minimum, you'll owe interest on the remaining balance next month. Paying the full balance means you owe no interest.
Can I change my payment due date?
Yes, you can request a different due date through your Citibank account or by calling customer service. This is useful if your due date falls on a day when you don't have funds available. Citibank usually allows you to choose a date between the 1st and the 28th of each month.
What should I do if I don't recognize a charge on my statement?
Contact Citibank's customer service number on the back of your card or on your statement. Report the charge and explain that you don't recognize it. Citibank will investigate and may issue a temporary credit while they look into it. Do not ignore the charge or refuse to pay it — report it through official channels instead.