Where and how to pay your Saks credit card
You can pay your Saks credit card bill online through the Saks website, by phone, by mail, or in person at a Saks store. The online portal is the fastest route: log into your account at saks.com, navigate to the credit card section, and enter your payment amount and bank details. Payments made online typically post within one business day.
If you prefer to pay by phone, call the customer service number on the back of your card. A representative will walk you through the payment process and can answer questions about your balance or due date. Phone payments also usually post within one business day.
For mail payments, send a check or money order to the address listed on your monthly statement. Mail payments take longer to process — typically five to seven business days from the time the payment center receives it — so send early if your due date is approaching. Include your account number on the check to may support it posts to the correct account.
Key Takeaways
- Online and phone payments post within one business day, while mailed payments take five to seven business days after receipt.
- You can set up automatic payments through the Saks website so your bill is paid on a date you choose each month.
- Payments made in person at a Saks store location are processed when ready but may take one business day to appear in your account.
- Your monthly statement shows the due date, minimum payment amount, and the mailing address if you choose to pay by check.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your Saks credit card account online, find the autopay or automatic payment section, and choose the date each month when you want the payment to be withdrawn from your bank account. You can set it to pay your full balance, your minimum payment, or a fixed amount you decide.
If you set autopay to your full balance, you will pay no interest on purchases. If you choose to pay only the minimum or a fixed amount, interest will accrue on the remaining balance. You can change or cancel your automatic payment at any time through your online account, and you will receive a confirmation email each time a payment is processed.
Payment due dates and late fees
Your payment due date appears on your monthly statement and is typically 21 to 25 days after your statement closing date. If you pay after the due date, your account may be charged a late fee. The amount of the late fee depends on your account terms and how late the payment is.
Payments received on the due date or earlier are considered on time. If your due date falls on a weekend or holiday, the payment is due the next business day. Paying at least your minimum payment by the due date helps you avoid late fees and protects your credit score from being reported as late to credit bureaus.
What happens if you miss a payment
If your payment does not arrive by the due date, your account will be marked as late. A late fee will be added to your balance, and interest will continue to accrue on any unpaid balance. After 30 days past the due date, the late payment may be reported to credit bureaus, which can lower your credit score.
If you realize you will miss a payment, contact Saks customer service as soon as possible. Explain your situation and ask whether they can work with you on a payment plan or temporarily adjust your due date. Many issuers are willing to work with customers who contact them before a payment is missed rather than after.
Payment posting and processing times
The time it takes for your payment to post to your account depends on the payment method you choose. Online and phone payments typically post within one business day. In-store payments are processed when ready at the register but may take one business day to appear in your online account balance.
Mailed payments take the longest because they must travel through the postal system and then be processed by the payment center. A check mailed today may not arrive for three to five business days, and processing can add another two to three days. If you are close to your due date, do not rely on mail; use online or phone payment instead.
Paying more than the minimum
Paying more than your minimum payment reduces the amount of interest you owe and helps you pay off your balance faster. If your statement shows a minimum payment of $25 but you have a $500 balance, paying $100 or more will lower your interest charges significantly over time.
You can pay any amount above the minimum through any payment method — online, phone, mail, or in store. There is no penalty for paying more than the minimum, and you can do it as often as you want. Some people pay their balance in full each month to avoid interest entirely, while others make multiple payments throughout the month as cash becomes available.
Frequently Asked Questions
Can I pay my Saks credit card bill with a different payment method?
You can pay online with a bank account or debit card, by phone with a bank account or debit card, by mail with a check or money order, or in person at a Saks store with cash, check, or debit card. You cannot pay with another credit card. The online and phone methods are fastest.
What if I pay online but my payment doesn't show up the next day?
Online payments typically post within one business day, but delays can happen if the payment is submitted late in the day or on a weekend. Check your bank account to confirm the payment was withdrawn. If it was withdrawn but hasn't posted to your Saks account after two business days, contact Saks customer service with your confirmation number.
Can I change my due date?
Most credit card issuers allow you to request a different due date through your online account or by calling customer service. The new due date usually takes effect within one or two billing cycles. Changing your due date can help you align your payment with when you receive income.
What if I want to pay off my entire balance at once?
You can pay your full balance through any payment method. Online and phone payments are fastest. If you pay your full balance by the due date each month, you will not be charged interest on purchases, even if you carry a balance for part of the month.
Is there a fee for paying online or by phone?
No. Saks does not charge a fee for online or phone payments. Mail and in-store payments are also free. Some third-party payment services may charge a fee if you use them to pay your bill, but paying directly through Saks or by mail costs nothing.