What the Macy's Credit Card Is and How Payments Work
The Macy's Credit Card is a store card issued by Citibank that you can use to make purchases at Macy's locations and on macys.com. When you use the card, you receive a monthly statement showing what you owe. You then make a payment toward that balance — either the full amount due, the minimum payment, or anything in between.
Payments reduce your outstanding balance and determine how much interest you'll pay on future purchases. If you pay your full statement balance by the due date each month, you won't be charged interest. If you carry a balance, interest accrues at the card's annual percentage rate (APR), which varies based on your creditworthiness and current market rates.
Key Takeaways
- You can pay your Macy's card online through your account, by phone, by mail, or in-store at a Macy's register.
- The due date appears on your monthly statement, and paying by that date avoids late fees.
- Paying your full statement balance each month means you won't owe interest on your purchases.
- Setting up automatic payments ensures you never miss a due date and can help you stay on top of your balance.
- The card offers discounts and rewards on Macy's purchases, but only if your account is in good standing.
How to Make a Payment Online
The fastest and most common way to pay is through your online account. Go to macys.com and select "Credit Card" or "Pay My Bill" from the main menu. Log in with your username and password — if you don't have an account yet, you'll need to create one using your card number and the phone number or email on file.
Once logged in, you'll see your current balance, minimum payment due, and statement due date. Select the payment amount you want to make — you can pay the full balance, the minimum, or a custom amount. Choose your payment method (debit card or bank account), review the details, and confirm. The payment posts within one to two business days.
If you prefer not to log in online, you can also call the customer service number on the back of your card and make a payment over the phone with a representative. Have your card number and bank account or debit card information ready.
Setting Up Automatic Payments
Automatic payments remove the risk of forgetting your due date. When you set up autopay through your online account, you choose an amount (minimum payment, full balance, or a fixed dollar amount) and a day each month when the payment should process. The payment comes directly from your bank account on that schedule.
To set up autopay, log into your account, go to "Manage Payments" or "Payment Settings," and select "Enroll in AutoPay." Choose your payment amount and the date you want the payment to come out each month. Most cardholders set it for a few days after payday to may support the funds are available. You can change or cancel autopay at any time through the same menu.
Paying by Mail or In-Store
If you prefer to pay by mail, your monthly statement includes a payment coupon with the mailing address. Write a check or money order for the amount you want to pay, include the coupon, and mail it to the address shown. Allow 7 to 10 business days for the payment to reach Citibank and post to your account. Mail payments are slower than online or phone payments, so send yours well before your due date to avoid late fees.
You can also pay in person at any Macy's register. Bring your card and let the cashier know you want to make a credit card payment. They'll process it on the spot, and it posts to your account within one to two business days. This option works well if you're already shopping or prefer to handle payments face-to-face.
Understanding Your Statement and Due Date
Your monthly statement arrives by mail or email (depending on your preference) and shows everything you charged during the billing period, any payments you made, fees, and interest. At the top, you'll see three important numbers: the new balance (what you owe), the minimum payment due, and the statement due date.
The due date is the last day you can pay without triggering a late fee. If you pay after that date, Citibank charges a late fee (the amount varies but is typically $25 to $40 for the first late payment). Late payments also hurt your credit score and may increase your APR. If you're going to be late, call the customer service number on your statement and explain your situation — sometimes representatives can waive a single late fee if you have a good payment history.
What Happens If You Miss a Payment
If your payment doesn't arrive by the due date, you'll be charged a late fee on your next statement. Your account may also be reported to credit bureaus, which can lower your credit score. If you miss a payment by 30 days or more, your APR may increase to a penalty rate, making future interest charges much higher.
If you realize you've missed a payment, make one as soon as possible. The sooner you pay, the less damage occurs to your credit. If you're struggling to keep up with payments, contact Citibank's customer service to discuss hardship options — some cardholders are able to negotiate lower payments or interest rates temporarily.
Rewards and Discounts While Paying Off Your Balance
The Macy's Credit Card offers discounts and rewards on your purchases, but these benefits only work if your account is current (no missed payments) and in good standing. You earn rewards points on every purchase, which you can redeem for discounts on future Macy's shopping. The card also gives you access to special sales and early shopping hours for cardholders.
These perks don't reduce what you owe — they're separate from your payment. Even if you're earning rewards, you still need to make your regular payments on time to keep your account active and avoid fees or interest charges.
Frequently Asked Questions
Can I pay my Macy's card with a different payment method, like PayPal or Apple Pay?
You can pay online using a debit card or bank account, or by phone with the same methods. PayPal and Apple Pay are not currently accepted for Macy's card payments. Your best options remain online, phone, mail, or in-store at a Macy's register.
What if I want to pay more than my statement balance?
You can pay any amount you want, including more than what you owe. Overpayments create a credit on your account that applies to future purchases or can be refunded to you. If you want a refund of an overpayment, contact customer service and request it.
How long does it take for a payment to show up on my account?
Online and phone payments typically post within one to two business days. In-store payments also post within one to two business days. Mail payments take 7 to 10 business days to arrive and process. If you're close to your due date, use online, phone, or in-store payment to may support it posts on time.
Do I have to pay interest if I only make the minimum payment?
If you pay only the minimum, you'll carry a balance and owe interest on it at your card's APR. Interest accrues daily on any unpaid balance. To avoid interest entirely, pay your full statement balance by the due date each month.
What should I do if I can't make a payment by the due date?
Contact Citibank as soon as possible — the number is on your statement or card. Explain your situation and ask about payment plans or hardship options. Even if you can't pay the full amount, making a partial payment before the due date is better than missing the important date entirely, as it shows good faith and may reduce late fees.