Call Macy's customer service to request closure
The fastest way to close a Macy's credit card is to call their customer service line at 1-800-45-MACYS (1-800-456-2297). Have your card number ready. Tell the representative you want to close the account. They will confirm your identity, check for any remaining balance, and process the closure on the call.
If you have an outstanding balance, you must pay it before or during the closure process. The representative can tell you the exact amount owed. You can pay by phone using a bank account or another card, or you can ask them to mail you a final bill.
Ask the representative to confirm the closure in writing. Request that they email or mail you a letter stating the account is closed at your request and the final balance is zero. This documentation protects you if the account is ever reported as delinquent by mistake.
Key Takeaways
- Call 1-800-45-MACYS to close your account; the process takes about 10 minutes if you have no balance.
- Pay any remaining balance before closure, either by phone during the call or by mailing a check.
- Request written confirmation of closure and a zero final balance to keep in your records.
- Check your credit report 30 to 60 days later to confirm the account shows as closed.
- Closing the card does not remove it from your credit history; it will remain visible for seven years.
What happens to your balance before you close
If you carry a balance on your Macy's card, you cannot close the account until it is paid off. The representative will tell you the exact amount during your call. You have three options: pay the full balance when ready by phone, mail a check to the address they provide, or set up a payment plan if the balance is large.
If you choose to mail a check, write your account number on the check and mail it to the address the representative gives you. Do not close the account until the payment clears. Call back after five to seven business days to confirm the balance is zero, then request closure.
If you have pending transactions or recent charges that have not yet posted, ask the representative when those will appear. Wait for them to show on your statement before paying, so you do not underpay and leave a small balance behind.
Confirm the closure in writing
After the representative tells you the account is closed, ask them to send you written confirmation. This should state the account number, the closure date, and that the final balance is zero. Some representatives will email this when ready; others will mail it within five to seven business days.
If you do not receive written confirmation within two weeks, call back and request it again. Keep this letter in a safe place. If the account ever appears on your credit report as open or delinquent after closure, you will have proof that you closed it at your request.
Check your credit report after closure
About 30 to 60 days after closure, the account will update on your credit report. It should show as "closed by consumer" or "closed at consumer's request." You can check this for free at annualcreditreport.com, which is the only official site for free credit reports.
If the account still shows as open or active after 60 days, contact Macy's customer service again with your confirmation letter. Ask them to verify the closure with the credit bureaus. If Macy's does not correct it within 30 days, you can file a dispute directly with the credit bureau reporting the error.
What closing does and does not do to your credit
Closing a credit card does not erase it from your credit history. The account will remain on your credit report for seven years from the closure date, even though it is no longer active. This is normal and does not harm your credit score in the long term.
In the short term, closing a card can lower your credit score slightly because it reduces your total available credit. If you have other cards with balances, your credit utilization ratio (the amount you owe divided by your total credit limit) will go up. This effect is usually small and temporary.
Closing the card also means you lose any rewards or benefits tied to it. If you have pending rewards points, use them before you close the account. Macy's will not transfer unused points to another card or refund them as cash.
What to do if you cannot reach customer service
If you have trouble reaching Macy's by phone, you can also close your account by mail. Write a letter to Macy's Credit Services requesting closure. Include your full name, account number, and the date. Mail it to the address on your statement under "Customer Service" or "Billing Inquiries."
Keep a copy of the letter and send it certified mail so you have proof of delivery. This method takes longer — usually two to three weeks — but it creates a paper trail. Follow up with a phone call after two weeks to confirm receipt and closure.
You can also close the account through the Macy's website if you have online access to your account. Log in, go to Account Settings, and look for a "Close Account" or "Account Services" option. Not all account types allow online closure, so if you do not see this option, phone or mail are your only routes.
Frequently Asked Questions
Can I close my Macy's card if I still owe money?
No. You must pay the full balance before the account can be closed. The representative will tell you the exact amount owed and can accept payment by phone, or you can mail a check. Once the balance reaches zero, the account can be closed.
Will closing my Macy's card hurt my credit score?
Closing a card may lower your score slightly in the short term because it reduces your available credit. The effect is usually small and temporary. The account will remain on your credit report for seven years, which does not harm your score — closed accounts are treated differently than delinquent ones.
What happens to my rewards points when I close the account?
Macy's will not transfer unused rewards points to another card or refund them. Use your points before you close the account. Once the account is closed, any remaining points are forfeited.
How long does it take to close a Macy's credit card?
If you have no balance, closure is when ready over the phone. If you owe money, you must pay it first, which takes five to seven business days by mail or when ready by phone. The account will update on your credit report 30 to 60 days later.
What if Macy's says my account is still open after I closed it?
Call back with your written confirmation letter and ask Macy's to verify the closure with the credit bureaus. If they do not correct it within 30 days, file a dispute with the credit bureau reporting the error using the dispute form on their website.