Where to send your Macy's credit card payment
You can pay your Macy's credit card bill online through your account, by phone, by mail, or in person at a Macy's store. The fastest and most direct method is logging into your account at macys.com or through the Macy's mobile app, where you can make a one-time payment or set up automatic payments. If you prefer to call, the customer service number is on the back of your card.
Payments by mail should be sent to the address printed on your monthly statement. The Macy's credit card is issued by Citibank, so the mailing address on your bill is the Citibank processing center, not a Macy's store location. If you pay in person at a Macy's store, ask a cashier at the customer service desk — not all locations accept in-store payments, so calling ahead to confirm is worth the time.
Key Takeaways
- Online payment through macys.com or the Macy's app is the fastest method and lets you see your balance and due date when ready.
- Phone payments can be made by calling the number on the back of your card, and the payment posts the same business day if made before the cutoff time.
- Mail payments take 7 to 10 business days to reach the processing center, so send them well before your due date to avoid late fees.
- Your monthly statement shows the minimum payment due, the full balance, and the due date — paying only the minimum means interest charges on the remaining balance.
How to pay online or through the app
Log into your account at macys.com using your username and password, or open the Macy's mobile app and sign in. Navigate to the "Account" or "Billing" section — the exact wording depends on whether you are on the website or app, but both have a clear link to manage your credit card. Select "Make a Payment" and enter the amount you want to pay.
You will be asked to confirm the payment method (the bank account or debit card the money will come from) and the date you want the payment to post. If you choose a date within the next business day, the payment usually posts when ready. Payments scheduled for future dates will post on the date you select. After you confirm, you will see a confirmation number — save this for your records.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the risk of forgetting your due date. In your online account, look for an option called "Autopay" or "Automatic Payment" — it is usually in the same "Make a Payment" section where you make one-time payments. You can choose to pay the full statement balance, the minimum payment, or a fixed dollar amount each month.
Select the day of the month you want the payment to come out of your bank account. Most people choose a date shortly after they receive their paycheck or a few days before the due date shown on their statement. Once autopay is set up, you can still log in and make additional payments anytime without affecting the automatic payment schedule.
Paying by phone or mail
To pay by phone, call the number on the back of your Macy's credit card. A representative will ask for your account number and the amount you want to pay, then confirm the bank account or debit card you are paying from. Payments made before 8 p.m. Eastern Time on a business day typically post the same day. If you call after hours or on a weekend, your payment will post on the next business day.
For mail payments, write a check or money order payable to Citibank (not Macy's) and include your account number on the check. Mail it to the address shown on your statement. Do not mail cash. Because mail takes time to arrive and process, send your payment at least 10 business days before your due date. If your due date is approaching and you have not yet mailed a payment, use online or phone payment instead to avoid a late fee.
Understanding your statement and due date
Your monthly statement lists three key numbers: the minimum payment due, the full statement balance, and the due date. The minimum payment is the smallest amount you can pay without triggering a late fee, but paying only the minimum means you will owe interest on the unpaid balance. The full statement balance is the total you charged during the billing period.
The due date is the last day your payment can arrive at the processing center without being marked late. If you pay online or by phone, the payment posts when ready, so you can pay on the due date itself. If you mail a check, it must arrive by the due date, which means you should mail it several days earlier. Late payments result in a late fee and may increase your interest rate, so paying on time matters even if you cannot pay the full balance.
What happens if you miss a payment
If your payment does not arrive by the due date, Macy's will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). Your interest rate may also increase if you are more than 60 days late. A late payment stays on your credit report for seven years and can lower your credit score.
If you realize you will miss a due date, contact Macy's customer service when ready. Explain your situation — some cardholders are able to negotiate a waived late fee or a temporary payment plan, though this is not may provide. The sooner you call, the more options you may have. After you miss a payment, you can still bring your account current by paying the full amount owed plus any late fees.
Frequently Asked Questions
How long does it take for a payment to show up in my account?
Online and phone payments typically post within one business day. Mail payments take 7 to 10 business days to arrive at the processing center and post to your account. If you pay online or by phone before 8 p.m. Eastern Time on a business day, the payment usually posts the same day.
Can I pay my Macy's credit card bill at a Macy's store?
Some Macy's locations accept in-store credit card payments at the customer service desk, but not all do. Call the store ahead of time to confirm. In-store payments may take a few business days to post to your account, so online or phone payment is faster if you are close to your due date.
What if I want to pay more than the minimum?
You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe on the remaining balance and helps you pay off the card faster. There is no penalty for paying more than the minimum or paying early.
Do I need to pay the full balance to avoid interest?
Yes. Interest charges explore to any balance you carry from month to month. If you pay the full statement balance by the due date, you will not owe interest. If you pay only the minimum or a partial amount, interest will be charged on the unpaid balance at your card's current interest rate.
Can I change my automatic payment amount or date?
Yes. Log into your account online or through the app and navigate to your autopay settings. You can change the payment amount, the date it comes out each month, or turn off autopay entirely. Changes usually take effect on your next scheduled payment date.