Call Macy's customer service at 1-888-257-6299 to make a credit card payment over the phone
The main number for Macy's credit card payments is 1-888-257-6299. This line is available seven days a week. When you call, have your card number, account number, and the amount you want to pay ready. The system will guide you through the payment process, and you can speak to a representative if you need help.
Payments made by phone are usually processed the same business day if you call before the cutoff time, which is typically 8 p.m. Eastern time. If you call after that time or on a weekend, your payment will be processed the next business day. There is no fee to pay by phone.
Key Takeaways
- Call 1-888-257-6299 to pay your Macy's credit card by phone, seven days a week.
- Have your card number, account number, and payment amount ready before you call.
- Payments made before 8 p.m. Eastern time on a business day are usually processed the same day.
- You can speak to a representative at any time during the call if you have questions about your account or payment.
- Paying by phone costs nothing — there is no fee added to your payment.
What information you need before calling
Gather these details before you pick up the phone so the call moves faster. You will need your Macy's credit card number (the 16-digit number on the front of your card) and your account number (which may be the same as your card number or printed separately on your statement). You will also need to know the exact amount you want to pay — whether that is the full balance, the minimum payment, or a specific dollar amount.
If you are paying from a checking or savings account instead of using the card itself, have your bank account number and routing number ready. The system will ask for these details to pull the payment from your bank.
How the automated payment system works
When you call 1-888-257-6299, an automated system will answer first. It will ask you to enter your card number using your phone keypad. After you enter your card number, the system will confirm your identity by asking for your zip code or the last four digits of your Social Security number. This is a security step to make sure you are the cardholder.
Once you are verified, the system will tell you your current balance and minimum payment due. You can then choose to pay that amount or enter a different amount. The system will ask you to confirm the payment amount before processing it. If you want to pay from your bank account instead of putting the charge back on your card, the system will walk you through entering your bank details.
If you get stuck or want to speak to a person at any point, you can press the button for a representative. Wait times vary depending on how busy the line is, but representatives are available during business hours and on weekends.
When your payment will show up on your account
Payments made by phone before 8 p.m. Eastern time on a weekday are posted to your account the same day. If you call after 8 p.m. or on a weekend or holiday, your payment will be processed the next business day. For example, a payment made on Friday evening will not post until Monday.
Even though the payment posts quickly, it may take a day or two longer to show up in your online account or on your paper statement. The payment is recorded in Macy's system right away, but the display on your end may lag slightly behind. If you need to confirm that your payment went through, you can call back and check your balance, or log into your online account to see the updated balance.
Paying by phone versus other payment methods
Paying by phone is one of several ways to send money to Macy's. You can also pay online through your account at macys.com, by mail using a check, or in person at a Macy's store. Online payment is often the fastest and most convenient if you have internet access — you can pay at any time of day without waiting on hold. Paying by mail takes seven to ten business days to reach Macy's, so use that method only if you are paying well ahead of your due date.
In-store payments are an option if you have a Macy's location near you and want to pay with cash or a debit card. Phone payment is best if you prefer talking to a person, want to pay outside of normal business hours, or do not have internet access at home. There is no cost difference between any of these methods — Macy's does not charge a fee for phone, online, or in-store payments.
What to do if you cannot reach the payment line
If the phone line is busy or you are having trouble getting through, try calling back during off-peak hours. Early morning (before 9 a.m. Eastern) and late evening (after 7 p.m. Eastern) tend to have shorter wait times than midday. Weekday calls are usually faster than weekend calls.
If you keep getting a busy signal or the line drops, you can pay online instead at macys.com. Log into your account and look for the "Make a Payment" or "Pay My Bill" option. Online payment is available 24 hours a day and does not depend on phone lines. You can also mail a check to the address printed on your statement if you need more time to gather funds.
Frequently Asked Questions
Is there a fee to pay my Macy's card by phone?
No. Macy's does not charge a fee for phone payments. The amount you pay goes directly toward your balance with no extra cost added.
Can I set up automatic payments instead of calling each month?
Yes. You can set up automatic payments through your online account at macys.com or by calling customer service. Automatic payments can be set to your minimum payment, full balance, or a fixed amount each month. This way you do not have to call every time a payment is due.
What if I call to pay but realize I made a mistake with the amount?
Call back as soon as you realize the error. Macy's customer service can help you make an additional payment or, in some cases, reverse a payment that has not yet posted. The sooner you call, the more options you have to fix it.
Can I pay someone else's Macy's card by phone?
You can only pay a card if you are the cardholder or an authorized user on the account. If you are trying to pay a family member's card, they will need to call and authorize you first, or you can pay them directly and let them make the payment themselves.
What happens if I pay after my due date?
A late fee will be added to your account if your payment arrives after the due date shown on your statement. Paying by phone the same day you call can help you avoid a late fee, but the payment must post before midnight on your due date to count as on-time.