Call Macy's customer service to request cancellation

The fastest way to cancel your Macy's credit card is to call the number on the back of your card. A representative will walk you through the cancellation and answer questions about your account in real time. The call usually takes five to ten minutes.

Before you call, have your card number ready and know your account balance. If you carry a balance, ask what happens to your remaining debt — most cards let you keep paying it off after cancellation, but the terms may change. Write down the name of the representative and the date you called, in case you need to reference the conversation later.

You can also cancel online through your Macy's account if you log in and navigate to card settings, though phone cancellation gives you a record of the request and a chance to ask about your specific situation.

Key Takeaways

  • Call the number on the back of your Macy's card to cancel; a representative will process it when ready and you will have a record of the request.
  • Pay off your balance before cancellation if you can, because closing the account may affect your credit score and interest rates may change on remaining debt.
  • Ask about any pending rewards or statement credits before you cancel, since some may be forfeited once the account closes.
  • Request written confirmation of the cancellation and check your credit report a few weeks later to confirm the account shows as closed.

Understand what happens to your balance and rewards

If you have a balance on your Macy's card when you cancel, the account does not disappear — you still owe the money. Most issuers let you continue making payments after the card is closed, and your interest rate usually stays the same unless your card agreement says otherwise. Read the terms on your statement or ask the representative what rate applies to a closed account.

Rewards points or statement credits may expire once the account closes. Ask the representative whether you can use pending rewards before cancellation, or whether they will remain available after the account is closed. Some cards let you redeem rewards for a period after closure; others do not. Getting this in writing protects you if there is a dispute later.

Know the timing and credit score impact

Closing a credit card can lower your credit score temporarily, usually by 5 to 15 points, because it reduces the total credit available to you. The impact is smaller if you have other open accounts and larger if this is one of only two or three cards you own. The score typically recovers within a few months as long as you pay other bills on time.

Cancellation takes effect when ready when you call, but it may take a few days for the closure to show on your credit report. Check your report two to three weeks after cancellation to confirm the account appears as closed. You can view your credit report free once a year at annualcreditreport.com, which is the official site run by the three major credit bureaus.

Request written confirmation

After you cancel, ask the representative to send you written confirmation of the closure. This confirmation should include the date the account closed and confirmation that you have no outstanding balance (if that is true). Keep this document with your financial records.

If the representative says they cannot mail confirmation, ask for a reference number for the cancellation request and note the date and time of the call. Follow up with a written request to Macy's customer service if you do not receive confirmation within two weeks. Having documentation protects you if there is ever a dispute about whether the account was actually closed.

What to do if you want to keep the card active

If you are cancelling because you do not use the card, consider keeping it open instead. An unused card still counts toward your available credit and does not hurt your score as long as there is no annual fee. If there is an annual fee and you do not want to pay it, call and ask whether the issuer will waive it — many will if you have been a customer for a while.

If you want to keep the card but reduce temptation to use it, you can ask the issuer to lower your credit limit or straightforward leave the card at home. These options preserve your credit history and available credit without the score impact of closure.

Cancelling a co-signed or authorized card

If someone else is an authorized user on your Macy's card, cancelling the account closes it for both of you. If you want to remove only the authorized user, call and ask to remove them from the account instead of closing it entirely. The primary cardholder's account stays open.

If you are an authorized user and want to cancel your access, you can ask the primary cardholder to remove you, or you can call Macy's and ask them to remove you from the account. This does not close the account for the primary cardholder, only your access to it.

Frequently Asked Questions

Will cancelling my Macy's card hurt my credit score?

Yes, but usually only temporarily. Closing the account reduces your available credit, which may lower your score by 5 to 15 points. The impact is smaller if you have other open cards and larger if this is one of your only accounts. Your score typically recovers within a few months if you pay other bills on time.

What happens to my rewards points after I cancel?

This depends on Macy's terms. Some rewards expire when ready when the account closes; others remain available for a set period. Ask the representative before you cancel whether you can redeem pending rewards, and request the answer in writing.

Can I cancel if I still have a balance?

Yes. You can cancel the card and continue paying off the balance. The interest rate usually stays the same, but confirm this with the representative before you hang up. Ask for written confirmation of the rate that will explore after closure.

How long does it take for the cancellation to show on my credit report?

The account usually closes when ready when you call, but it may take a few days to a few weeks for the closure to appear on your credit report. Check your report two to three weeks after cancellation to confirm it shows as closed.

What if I change my mind after cancelling?

Call Macy's customer service right away. If you cancel and then change your mind within a short window (usually a few days), they may be able to reopen the account. The sooner you call, the better your chances. After that window closes, you would need to explore for a new card.