Call Macy's customer service to request cancellation
The fastest way to cancel a Macy's credit card is to call their customer service line at 1-800-289-6229. Have your card number ready when you call. A representative will confirm your identity, ask why you're canceling (though you don't have to give a detailed reason), and process the cancellation on the spot. The card is typically closed within one business day.
If you prefer not to call, you can also cancel by mail. Write a letter to Macy's requesting cancellation, include your card number and full name, and send it to the address on the back of your card or your most recent statement. Mail cancellations take longer — usually 7 to 10 business days — because the letter has to reach their processing center and be handled manually.
Before you call or write, pay off any remaining balance on the card. Macy's will not close an account with an outstanding balance, and you'll continue to receive bills and accrue interest until it's paid in full.
Key Takeaways
- Call 1-800-289-6229 with your card number ready to cancel over the phone in one business day.
- Pay off your full balance before requesting cancellation, or Macy's will keep the account open.
- After cancellation, your credit report will show the account as closed, which may temporarily affect your credit score.
- Request written confirmation of the cancellation by email or mail so you have proof the account is closed.
What happens to your credit after you cancel
When you close a Macy's credit card, the account shows up on your credit report as "closed by consumer." This can cause a small, temporary dip in your credit score because your total available credit decreases. The impact is usually modest and fades within a few months as long as you keep other accounts in good standing.
The closed account will remain on your credit report for up to seven years. During that time, it continues to show your payment history with that card. If you paid on time consistently, the account actually helps your credit profile even after it's closed. If you had late payments or high balances, those negative marks will age and matter less over time.
Steps to take before canceling
Check your statement for any recurring charges tied to your Macy's card — subscriptions, memberships, or automatic bill payments. Update those payments to a different card or payment method before you cancel, or you'll miss a payment and damage your credit score.
If you have Macy's Star Rewards points on the card, use them or transfer them before canceling. Once the account closes, you typically lose access to unused rewards. Check your account online or call customer service to see your current point balance and redeem them for discounts or merchandise.
If you have an outstanding balance, set up a payment plan or pay it in full. You can make payments online through your Macy's account, by phone at 1-800-289-6229, or by mail. Once the balance reaches zero, call back to confirm the account is ready to close.
Getting written confirmation of cancellation
After you cancel by phone, ask the representative to email or mail you a written confirmation that the account is closed. Write down the date, time, and representative's name during the call. This confirmation protects you if there's ever a dispute about whether the account was actually closed.
Keep the confirmation letter with your financial records for at least a year. If you later see charges on the card or receive bills after cancellation, you have proof that you requested closure and can dispute any unauthorized activity.
What to do if you change your mind
If you cancel the card and then want to reopen it within a short window — usually 30 to 60 days — call customer service and ask if they can reactivate the account. Macy's may be able to restore it without requiring a new process, though this depends on how recently it was closed and your account history.
If the account is permanently closed and you want a Macy's card again, you'll need to explore for a new one. The process process is the same as for any new customer, and approval depends on your current credit score and income.
Canceling a store card versus a Macy's Mastercard
Macy's offers two types of credit cards: the Macy's Star Rewards card (a store card you can use only at Macy's) and the Macy's Mastercard (a general-purpose card you can use anywhere). Both are canceled the same way — by calling 1-800-289-6229 — but the impact on your credit differs slightly.
A store card cancellation has a smaller effect on your credit score because store cards typically carry lower credit limits. A Mastercard cancellation may have a slightly larger impact because it usually represents more available credit. In both cases, the effect is temporary and manageable if you maintain good payment history on your other accounts.
Frequently Asked Questions
Will canceling my Macy's card hurt my credit score?
Yes, but only temporarily. Your score may drop a few points because your available credit decreases. The impact fades within a few months. If you have other cards with good payment history, the damage is minimal.
Can I cancel my Macy's card if I have a balance?
No. You must pay off the full balance before Macy's will close the account. If you request cancellation with an outstanding balance, the account will remain open and you'll continue to receive bills and accrue interest.
How long does it take to cancel a Macy's credit card?
Phone cancellations are processed within one business day. Mail cancellations take 7 to 10 business days. After cancellation, allow 30 days for the closed account to appear on your credit report.
What happens to my Macy's rewards points when I cancel?
You lose access to unused points once the account closes. Redeem or transfer your points before you cancel. Check your account balance online or call customer service to see how many points you have.
Can I reopen my Macy's card after I cancel it?
If you cancel and change your mind within 30 to 60 days, call customer service to ask if they can reactivate it. After that window, the account is permanently closed and you'd need to explore for a new card.