Where to pay your Macy's bill

You can pay your Macy's credit card bill through the Macy's website, by phone, by mail, or in person at a Macy's store. The fastest route is online at macys.com — you log in to your account, find the payment section, and submit payment the same day. If you prefer not to use the website, you can call the customer service number on the back of your card, mail a check to the address printed on your statement, or walk into any Macy's location with a payment.

Payments made online or by phone typically post to your account within one business day. Mail payments take longer — usually five to seven business days from the date you mail it, depending on postal delivery and the bank's processing time. If your due date is coming up, mail is the riskier choice because a late payment will show on your credit report even if the check arrives eventually.

Key Takeaways

  • Online payment through macys.com is the fastest method and posts within one business day, so use it if your due date is within a week.
  • Mail payments take five to seven business days to post, so send them at least ten days before your due date to avoid a late fee.
  • You can pay by phone using the number on your statement, or in person at any Macy's store if you prefer not to use the website.
  • A late payment of 30 days or more will be reported to credit bureaus and will damage your credit score, even if you pay later.
  • If you cannot pay the full balance, paying at least the minimum due by the due date stops a late fee, though interest will continue to accrue on the unpaid amount.

Paying online through macys.com

Log in to your Macy's account on the website using your username and password. Once you are logged in, look for a link labeled "Pay Bill," "Make a Payment," or "Account" — the exact label varies depending on whether you are on a desktop or mobile device. Click that link and you will see your current balance, minimum payment due, and due date.

Enter the amount you want to pay. You can pay the full balance, the minimum due, or any amount in between. Then select your payment method — you can use a debit card, a bank account (checking or savings), or another Macy's credit card. Review the details, confirm the payment, and you will receive a confirmation number on screen. Save or print this number in case you need to reference the payment later.

The payment will post to your account within one business day, though it may show as "pending" for a few hours after you submit it. If you need the payment to post by a specific date, submit it before 11:59 p.m. Eastern Time on the day before that date.

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 your payment method. Phone payments post within one business day, the same as online payments. Write down the confirmation number the representative gives you.

To pay by mail, write a check or money order for the amount you owe. Do not send cash. On the check, write your account number on the memo line so the payment is matched to your account correctly. Mail the check to the address shown on your statement under "Payment Address" — this is different from the address where you send disputes or correspondence. The Macy's payment processing center is separate from customer service, so sending your payment to the wrong address will delay it.

Include only the check and the payment stub from your statement if you have one. Do not include other documents or letters. Mail your payment at least ten days before your due date to account for postal delivery and processing time. If your due date is fewer than ten days away, use online or phone payment instead.

What happens if you miss the due date

If your payment does not post by the due date shown on your statement, Macy's will charge a late fee. The fee amount varies but is typically $25 to $40 for the first late payment. If you are late again within six months, the fee may be higher. The late fee is added to your balance and you will owe interest on it.

A payment that is 30 days or more late will be reported to the three major credit bureaus — Equifax, Experian, and TransUnion. This report will stay on your credit report for seven years and will lower your credit score. Even if you pay the full amount owed later, the late payment record remains. If you are approaching a due date and cannot pay the full balance, paying at least the minimum due stops the late fee and the credit report, though interest will continue to accrue on the unpaid balance.

If you are more than 60 days late, Macy's may increase your interest rate, which is called a "penalty rate." If you are more than 120 days late, Macy's may close your account and refer the debt to a collection agency.

Setting up automatic payments

You can set up automatic payments on macys.com so that a payment is deducted from your bank account on the same date each month. Log in to your account, go to the payment section, and look for an option to "Set Up Auto Pay" or "Automatic Payments." You will choose the amount — either the full statement balance, the minimum due, or a fixed dollar amount — and the date you want the payment to come out each month.

Automatic payments are deducted from your bank account, not charged to another credit card. If your bank account does not have enough money on the payment date, the payment will fail and you may be charged an overdraft fee by your bank in addition to a late fee by Macy's. Check your bank balance a few days before the automatic payment date to make sure the money is there.

You can change or cancel automatic payments at any time through your account settings. If you cancel, you will need to make manual payments again or set up a new automatic payment schedule.

Understanding your statement and balance

Your Macy's statement shows your opening balance, purchases made during the billing period, payments you made, fees and interest charged, and your new balance. The statement also shows your minimum payment due and your due date. The minimum payment is usually 1 to 3 percent of your total balance, but Macy's will tell you the exact amount.

If you only pay the minimum, the rest of your balance will accrue interest at your card's annual percentage rate (APR). Macy's credit card APR varies by cardholder and is typically between 18 and 27 percent. The higher your balance and the longer you carry it, the more interest you will pay. Paying more than the minimum due reduces the amount of interest you owe.

Your statement will also show if you have any promotional offers, such as 0 percent APR for a set number of months on new purchases or transfers. These offers have specific terms — if you miss a payment during the promotional period, the offer may be canceled and the regular APR will apply to the full balance retroactively.

Frequently Asked Questions

Can I pay my Macy's bill with a different credit card?

You can pay with another credit card only if you use a third-party payment service like PayPal or a cash advance service, which will charge you a fee. Paying a credit card with another credit card is generally not recommended because the fee often makes it more expensive than paying with a bank account or debit card. The Macy's website itself does not accept credit card payments for credit card bills.

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 request a refund by calling customer service. Refunds are typically mailed as a check within two to three weeks.

Is there a fee for paying online or by phone?

No, Macy's does not charge a fee for online or phone payments made directly through their system. Some third-party payment services charge a fee, but paying through macys.com or by calling the number on your card is free.

What if my payment was rejected?

A payment can be rejected if your bank account or debit card has insufficient funds, if the card has expired, or if there is a fraud hold on the account. If your payment is rejected, you will receive a notice from Macy's. Contact your bank to resolve the issue, then try the payment again. A rejected payment does not count as a late payment, but if you do not pay by the due date, a late fee will apply.

Can I dispute a charge on my Macy's bill?

Yes, you can dispute a charge by calling the number on your statement and explaining the issue. Macy's will investigate and either reverse the charge or explain why it is correct. While a dispute is being investigated, you are not required to pay that specific charge, but you should pay the rest of your bill on time to avoid a late fee.