Call Macy's customer service to pay your credit card balance over the phone
You can pay your Macy's credit card by calling the customer service number on the back of your card. A representative will walk you through the payment process and take your payment information. The call typically takes a few minutes, and your payment posts the same day or the next business day depending on when you call.
This method works if you want to speak with someone directly, need help with your account, or prefer not to pay online. You will need your card number, account PIN or the last four digits of your Social Security number to verify your identity, and a checking or savings account to pay from.
Key Takeaways
- The phone number for Macy's credit card payments is printed on the back of your physical card.
- You can pay from a checking or savings account by providing your routing and account numbers.
- Payments made before 8 p.m. Eastern Time typically post the same day; after that time, they post the next business day.
- You will need to verify your identity with your account PIN, the last four digits of your Social Security number, or other account details.
- There is no fee to pay by phone, and you can set up a one-time payment or enroll in automatic payments.
What information you need before calling
Have your Macy's credit card in front of you when you call. You will need your 16-digit card number, which appears on the front of the card. The customer service number is on the back of your card, usually near the bottom.
You will also need access to the bank account you want to pay from. Have your routing number and account number ready. If you do not have these numbers, you can find them on the bottom left of any check from that account, or log into your bank's website or app.
To verify your identity, have your account PIN ready if you have set one up. If you have not, the representative will ask for the last four digits of your Social Security number or other information from your account, such as your billing address or recent purchase amounts.
How the payment process works on the phone
When you call, a representative will confirm your identity and ask how much you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Tell the representative the amount, and they will confirm it before processing.
Next, provide your bank account information. You will give your routing number and account number. The representative will read these back to you to make sure they are correct. Do not hang up until you have confirmed the numbers match what you provided.
Once the payment is submitted, you will receive a confirmation number. Write this down or ask the representative to email or mail it to you. Keep this number in case you need to track the payment or dispute it later. The representative will also tell you when the payment will post to your account.
When your payment posts and how long it takes
Payments made before 8 p.m. Eastern Time on a business day usually post the same day. Payments made after 8 p.m. or on weekends and holidays post the next business day. Macy's does not process payments on Sundays or federal holidays.
Even though the payment posts quickly, it may take one to two business days for the funds to leave your bank account. This is normal and does not mean the payment failed. Your bank controls when money actually moves out of your account, separate from when Macy's records the payment.
If you are paying to avoid a late fee, call before your due date. Late fees are charged if payment is not received by 5 p.m. Eastern Time on your due date. Calling a few days early gives you a buffer in case of any delays.
Setting up automatic payments instead of calling each time
If you pay regularly, you can set up automatic payments so you do not have to call each month. During your first phone payment, ask the representative if you can enroll in automatic payments. They can set this up while you are on the call.
You can choose to pay your full statement balance, your minimum payment, or a fixed amount each month. You pick the day of the month when the payment should come out. Automatic payments come from the same bank account you used for your first payment, unless you change it later.
To change or cancel automatic payments, call customer service again or log into your Macy's credit card account online. You can modify the payment amount, the date, or stop the payments entirely at any time.
What to do if your payment does not go through
If your payment is declined, the representative will tell you when ready. The most common reasons are an incorrect routing or account number, insufficient funds in your bank account, or a frozen account. Ask the representative which issue caused the decline.
If the number was wrong, you can provide a corrected number and try again on the same call. If your account does not have enough money, you can call back once funds are available. If your bank froze your account, contact your bank directly to unfreeze it before trying to pay again.
If you are unsure why the payment failed, ask the representative to explain. Do not assume the payment went through if you did not receive a confirmation number. Always get a confirmation number before ending the call.
Frequently Asked Questions
Is there a fee to pay my Macy's credit card by phone?
No, there is no fee to pay by phone. Macy's does not charge for phone payments. You only pay interest on any balance you carry from month to month, and late fees if your payment arrives after your due date.
Can I pay someone else's Macy's credit card by phone?
No, you must be the cardholder or an authorized user on the account to make a payment by phone. The representative will verify your identity before processing any payment. If you are not on the account, you cannot pay it this way.
What if I do not have a checking or savings account?
Phone payments require a U.S. bank account. If you do not have one, you can pay online using a debit card, or visit a Macy's store to pay in person. Some prepaid debit cards also work for phone payments, but call to confirm your card type is accepted first.
Can I pay my Macy's credit card by phone if I am outside the United States?
You can call the number on your card from outside the U.S., but international calling rates will explore. It may be cheaper to pay online instead. Check your card's website to see if international payments are supported, or ask about payment options when you call.
What happens if I call to pay but do not have my account number?
The representative can look up your account using your name, address, and phone number. You will still need to verify your identity with your PIN or the last four digits of your Social Security number. Have your billing address ready when you call.