How to pay your Macy's credit card bill online, by phone, or by mail
You can pay your Macy's credit card bill through several methods: online at macys.com, by phone at the number on your statement, by mail to the address listed on your bill, or in person at any Macy's store. The fastest way is online through your account, which processes immediately and lets you see your updated balance right away. Phone and mail payments take longer — phone payments may post within one business day, while mailed checks can take 7 to 10 days depending on mail delivery and processing time.
Before you pay, have your Macy's credit card number and the amount you want to pay ready. If you are paying by phone, you will also need your Social Security number or the last four digits of your card. For online payments, you will log into your Macy's account and navigate to the payment section — you can pay from a checking or savings account, or use another Macy's card.
Key Takeaways
- Online payments through macys.com are the fastest option and post to your account immediately.
- Phone payments go through the number on your statement and typically post within one business day.
- Mail payments should be sent to the address on your bill and take 7 to 10 days to process.
- You can also pay in person at any Macy's store location using cash, check, or debit card.
- Late fees apply if your payment does not reach Macy's by the due date shown on your statement, regardless of which method you use.
Paying online through your Macy's account
Log into your account at macys.com using your email and password. Once you are signed in, look for "Account" or "Billing" in the menu — the exact wording varies depending on whether you are on the website or mobile app. Select the option to make a payment.
Enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Choose your payment method: you can link a checking or savings account, or use another Macy's card. Review the details to make sure the amount and account are correct, then submit. Your payment posts immediately, and you will see your new balance reflected in your account.
If you forget your password, use the "Forgot Password" link on the login page. If you do not have an online account yet, you can create one by selecting "Create Account" and entering your card number, zip code, and other identifying information.
Paying by phone
Call the number on the back of your Macy's credit card or on your monthly statement. A representative will ask for your card number and the last four digits of your Social Security number to verify your identity. Tell them the amount you want to pay.
Phone payments are processed by the Macy's customer service team and typically post to your account within one business day. Ask the representative for a confirmation number and write it down — keep it with your records in case you need to verify the payment later. If you are calling outside regular business hours, you may reach an automated system that can process payments without speaking to a person.
Paying by mail
Write a check or money order for the amount you owe. Do not send cash through the mail. On the check, write your Macy's credit card number in the memo line so the payment is applied to the correct account.
Mail your payment to the address shown on your statement under "Payment Address" or "Send Payment To." Do not mail it to a Macy's store — use only the address provided on your bill. Mail payments take 7 to 10 days to arrive and be processed, so send your payment well before your due date. The due date is the date Macy's must receive your payment, not the date you mail it, so a check postmarked three days before the due date may still arrive late.
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 can pay with cash, check, debit card, or another Macy's card. Bring your Macy's credit card or have your card number ready so the payment is applied to the right account.
In-store payments are processed on the spot, though it may take one business day for the payment to show in your online account. Ask for a receipt as proof of payment. This method works well if you are already shopping at Macy's or prefer to handle payments in person.
What happens if your payment is late
If your payment does not reach Macy's by the due date on your statement, a late fee will be added to your account. The amount of the late fee depends on your card terms, but it is typically $25 to $40 for the first late payment. A second late payment within six months may result in a higher fee.
A late payment also affects your credit score and will be reported to credit bureaus if it is 30 days or more past due. To avoid this, send or submit your payment at least a few days before the due date — do not wait until the last day, especially if you are mailing a check. If you are struggling to make a payment, contact Macy's customer service to discuss your options; they may be able to work with you on a payment plan or temporary adjustment.
Setting up automatic payments
If you want to avoid missing a payment, you can set up automatic payments through your online Macy's account. Log in, go to the payment or billing section, and look for an option to schedule recurring payments. You can choose to pay your full balance, the minimum payment, or a fixed amount each month on a date you select.
Automatic payments are deducted from your checking or savings account on the date you choose. You can change or cancel automatic payments anytime through your account. This method removes the risk of forgetting a due date, though you should still review your statement each month to make sure the payment amount is correct and your account is in good standing.
Frequently Asked Questions
How long does it take for a payment to show up in my account?
Online payments post immediately. Phone payments typically show within one business day. Mail payments take 7 to 10 days. In-store payments may take one business day to appear online, though the transaction is recorded at the time you pay.
Can I pay my Macy's bill with a credit card?
You cannot pay your Macy's credit card bill with another credit card through Macy's directly. You can pay with a checking or savings account, another Macy's card, cash, check, or debit card in person. If you want to use a credit card, you would need to use a third-party payment service, though this may result in additional fees.
What if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account and will be applied to your next statement. You can also contact Macy's customer service to request a refund of the overpayment.
Is there a fee to pay my Macy's bill?
No — Macy's does not charge a fee for making a payment through any of their standard payment methods. Online, phone, mail, and in-store payments are all free.
What if I cannot find the payment address on my statement?
Call the number on the back of your card or on your statement and ask a representative for the correct mailing address. They can also confirm whether your payment was received if you mailed a check and are unsure whether it arrived.