Where to pay your Macy's credit card bill
You can pay your Macy's credit card bill on macys.com by logging into your account and selecting the payment option from your card dashboard. The site will show your current balance, minimum payment due, and the date your payment is due. You can also pay by phone, mail, or in a Macy's store, but the website is the fastest way to make a payment that posts the same day.
To pay online, go to macys.com, click "Account" in the top right, and sign in with your email and password. If you don't have an online account yet, you'll need to create one using your card number and other identifying information. Once logged in, look for "Make a Payment" or "Pay My Bill" — the exact wording varies depending on whether you're viewing on a phone or desktop.
Macy's processes online payments submitted before 8 p.m. Eastern Time on a business day as same-day posts to your account. Payments submitted after that time or on weekends and holidays post the next business day. There is no fee to pay online through macys.com.
Key Takeaways
- Log into macys.com with your email and password, then select "Make a Payment" from your account dashboard to pay your bill online with no fee.
- Payments submitted before 8 p.m. Eastern Time on a business day post the same day; payments after that time or on weekends post the next business day.
- You can set up automatic payments on macys.com so your bill is paid on a date you choose each month, which helps you avoid late fees.
- If you miss a payment, late fees and interest charges will be added to your balance, and the missed payment will be reported to credit bureaus after 30 days.
- You can also pay by phone at the number on the back of your card, by mail to the address on your statement, or in person at a Macy's store.
Setting up automatic payments to avoid missed deadlines
Automatic payments remove the risk of forgetting to pay on time. On macys.com, go to your account settings and look for "Automatic Payments" or "Recurring Payments." You'll choose the date each month when you want the payment to come out of your bank account, and whether you want to pay the full statement balance, the minimum payment, or a fixed amount you set yourself.
Once automatic payments are set up, they will continue every month until you turn them off. If your bank account doesn't have enough money on the scheduled date, the payment will fail and you'll be charged a late fee. Check your bank balance a few days before your automatic payment date to make sure the money is there.
You can change or cancel automatic payments at any time by logging back into macys.com and updating your payment settings. If you need to stop a payment before it goes through, contact Macy's customer service as soon as possible — the phone number is on the back of your card.
What happens if you miss a payment
If your payment is not received by the due date shown on your statement, Macy's will charge a late fee. The amount of the late fee depends on your credit limit and varies by state, but it is typically between $25 and $40 for the first late payment. If you miss another payment 60 days later, a second late fee will be charged.
A missed payment also triggers interest charges on your balance. Even if you have a 0% promotional rate, that rate is usually canceled if you miss a payment, and a standard interest rate (called the purchase APR) will apply to your entire balance going forward. The purchase APR for Macy's credit cards varies by creditworthiness and ranges widely.
After 30 days of non-payment, Macy's reports the missed payment to the three major credit bureaus — Equifax, Experian, and TransUnion. This report stays on your credit report for seven years and will lower your credit score. If the account remains unpaid for 180 days (six months), Macy's may close the account and send it to a debt collector.
Paying more than the minimum to reduce interest charges
Your statement shows a minimum payment — usually 1% to 3% of your balance — but paying only the minimum means you'll pay far more in interest over time. The longer you carry a balance, the more interest you owe. If you have a balance of $1,000 and only pay the minimum each month, it could take years to pay off and cost hundreds of dollars in interest.
Paying more than the minimum reduces the amount of interest you owe and gets you out of debt faster. Even an extra $25 or $50 per month makes a real difference. On macys.com, you can pay any amount you choose — there's no penalty for paying early or paying more than you owe.
If you're carrying a balance on a promotional 0% APR offer, paying extra is especially important because the promotional period has an end date. Once the promotion ends, interest charges begin on any remaining balance. Check your statement to see when your promotional period expires.
Other ways to pay your Macy's bill
If you prefer not to pay online, you can pay by phone by calling the number on the back of your card. A customer service representative will take your payment information and process the payment over the phone. Phone payments are also processed the same day if you call before 8 p.m. Eastern Time on a business day.
You can also mail a check or money order to the address shown on your statement. Write your account number on the check so Macy's knows which account to credit. Mail payments take 7 to 10 business days to arrive and post, so mail early if your payment is due soon.
In-store payments are another option — you can pay at the customer service desk in any Macy's location with cash, a debit card, or another credit card. In-store payments may take one to two business days to post to your account. None of these payment methods charge a fee.
Understanding your statement and payment due date
Your Macy's statement arrives once a month and shows your opening balance, all purchases and payments from the past month, any fees or interest charges, your new balance, your minimum payment, and your payment due date. The due date is typically 21 to 25 days after your statement closes. Your statement closing date is the same each month — for example, the 15th of every month.
The payment due date is different from the statement closing date. If your statement closes on the 15th, your payment might be due on the 10th of the following month. Paying by the due date keeps you current on your account. Paying after the due date but before 30 days past the due date is considered late, but the account is still considered current for credit reporting purposes.
You can see your statement and due date anytime by logging into macys.com. If you don't receive a paper statement in the mail, you can view and print statements online. Some cardholders choose to receive statements by email instead of mail — you can change this preference in your account settings.
Frequently Asked Questions
Can I pay my Macy's bill with a different credit card?
No, Macy's does not accept credit card payments on macys.com or by phone. You can only pay with a bank account (checking or savings), debit card, or cash. If you want to transfer your Macy's balance to another credit card, that's a separate transaction called a balance transfer, which you would do through the other card's issuer, not through Macy's.
What if I pay more than I owe?
If you pay more than your current balance, the extra amount becomes a credit on your account. You can use that credit toward future purchases, or you can contact Macy's customer service to request a refund. Refunds are typically issued as a check or back to your original payment method within 7 to 10 business days.
Is there a fee to pay my bill online?
No, there is no fee to pay your Macy's credit card bill on macys.com, by phone, or by mail. In-store payments also have no fee. Macy's does not charge for any standard payment method.
What if I can't pay my full balance?
You must pay at least the minimum payment by the due date to keep your account in good standing. If you're struggling to pay, contact Macy's customer service to discuss your options — they may be able to work with you on a payment plan or discuss hardship programs, though these are not may provide.
How do I know if my payment went through?
After you submit a payment on macys.com, you'll see a confirmation message on the screen. Log back into your account a few hours later to confirm the payment has posted. You can also check your bank account to see if the payment has been deducted. If you paid by phone or mail, call customer service to confirm receipt.