The fastest way to pay is online through your Macy's account or the Macy's mobile app
Log into your Macy's credit card account at macys.com, select "Pay Now" or "Make a Payment," and enter the amount you want to pay. You can pay from a checking or savings account linked to your card, and the payment posts within one business day. The mobile app (available on iOS and Android) has the same payment option and takes about two minutes to complete.
If you prefer not to use the website or app, you can call the customer service number on the back of your Macy's credit card and make a payment over the phone. A representative will walk you through the process and confirm your payment amount before it's processed.
Key Takeaways
- Online payments through macys.com or the Macy's app post within one business day and require only your account login and payment amount.
- Phone payments are available by calling the number on your card, and you can pay from a bank account or discuss payment options with a representative.
- Mail payments should be sent to the address on your statement at least 10 days before your due date to avoid late fees.
- Setting up automatic payments through your Macy's account prevents missed due dates and late charges.
- In-store payments at any Macy's location are possible but less common than online or phone options.
Paying by mail if you prefer not to use digital methods
Write a check or money order and mail it to the address listed on your monthly statement under "Payment Address" or "Make Payments To." Include your account number on the check or money order, and mail it at least 10 days before your due date to may support it arrives on time. Late payments trigger a late fee and can affect your credit score, so timing matters.
Do not mail cash. If you must use mail, a check or money order is the only safe option. Keep a copy of what you send for your records.
Setting up automatic payments to avoid missing your due date
Log into your Macy's account, go to "Account Settings" or "Manage Your Account," and look for "Auto Pay" or "Automatic Payments." You can choose to pay your full statement balance, a fixed amount, or the minimum payment each month. Select your payment date (usually between the 1st and 28th of the month), and the payment will be deducted automatically from your bank account on that date.
Automatic payments reduce the risk of late fees and missed payments, which can lower your credit score. You can change or cancel automatic payments at any time through your account settings, and you'll receive a confirmation email each time a payment is processed.
Paying in person at a Macy's store
Visit any Macy's location and ask a cashier or customer service representative to help you make a payment on your credit card. You'll need your card or account number and can pay with cash, check, or debit card. In-store payments are processed when ready, but this option is less convenient than online or phone payments if you're not already shopping.
Not all Macy's locations offer this service during all hours, so call ahead or ask when you arrive. For most people, online or phone payment is faster and easier.
Understanding your payment due date and how late payments affect you
Your payment due date appears on your monthly statement and is typically 21 to 25 days after your statement closes. If you pay after this date, Macy's charges a late fee (the amount varies but is typically $25 to $40 for the first late payment). More importantly, a late payment is reported to credit bureaus and can lower your credit score by 50 to 100 points or more, depending on how late the payment is.
If you miss a payment by 30 days or more, the account may be sent to a collection agency, and you could face legal action. Paying on time, even if you can only pay the minimum, protects your credit and avoids these consequences. If you're having trouble making a payment, contact Macy's customer service to discuss options before your due date passes.
What to do if you can't pay your full balance
You are not required to pay your full statement balance each month — you can pay any amount above the minimum payment shown on your statement. However, any balance you don't pay will accrue interest at the card's annual percentage rate (APR), which varies based on your creditworthiness and current market rates.
If you're struggling to pay, contact Macy's customer service at the number on your card. Representatives can discuss hardship programs, temporary payment reductions, or other options depending on your situation. Calling before you miss a payment is always better than waiting until after.
Frequently Asked Questions
How long does it take for my payment to show up on my account?
Online and app payments typically post within one business day. Phone payments and in-store payments usually post the same day or next business day. Mail payments take 7 to 10 business days depending on postal delivery time, so mail early to avoid late fees.
Can I pay my Macy's credit card with a credit card or debit card?
You cannot pay your Macy's credit card with another credit card online or through the app. You can pay with a debit card or bank account. In-store, you may be able to pay with a debit card, but policies vary by location — ask when you visit.
What happens if I pay more than my balance?
If you overpay, the extra amount becomes a credit on your account and is applied to your next statement or can be refunded to you. Contact Macy's customer service if you want a refund of an overpayment rather than letting it sit as a credit.
Is there a fee for paying my Macy's credit card?
No, Macy's does not charge a fee for making a payment online, by phone, by mail, or in-store. The only charges you'll face are late fees if you miss your due date or interest charges if you carry a balance.
Can I change my payment due date?
You can request a due date change by calling customer service at the number on your card. Macy's may allow you to move your due date by a few days to align with your pay schedule, though the exact options depend on your account status.