What To Do When You Can’t Pay Your Macy’s Bill
As one of the oldest and best known retail stores, Macy’s offers a Macy’s card for loyal shoppers. Macy’s offers new card applicants several different options when it comes to applying for credit with Macy’s. You can apply for a Macy’s American Express card, or a Macy’s store credit card. This article is focused on paying your Macy’s store card bill. Continue reading here for more info on [paying your Macy’s American Express bill]. If you apply for the Macy’s card online, you get a 15% discount on any purchase within 48 hours. However, this discount does not apply to certain items such as gourmet food and wine, services, and gift cards. In-store card sign up promotions will vary on a case-by-case basis.
The amount of money you spend yearly at Macy’s entitles you to different card levels, and each card has increased benefits associated with it:
- Macy’s Red Card: $0-$499 yearly store spend.
- Macy’s Gold Card: $500-$999.99 yearly store spend.
- Macy’s Platinum Card: $1,000-$2,400.99 yearly store spend.
- Macy’s Elite Card: $2,500+ yearly store spend.
Your Macy’s card entitles you to in-store discounts at promotional card-holder only events, as well as coupons and “choose your own sale” days. Purchases made with a Macy’s card in a Macy’s department store can be returned without a receipt. Your Macy’s credit account can be managed online.
How To Pay The Bill
You have several options for paying your Macy’s bill.
Of course, you can pay your Macy’s bill online at Macy’s online payment center, here: https://www.macys.com/service/credit/paybill/index.ognc
Pay By Mail:
Send a Macy’s Payment money order or check to:
PO Box 183083
Columbus, OH 43218-3083
Pay By Phone:
Macy’s Credit Card phone number: 1-888-431-6229
NOTE: there is a fee for paying your Macy’s bill by phone that will be disclosed at the time of payment.
Questions About Your Billing Statement or Account?
The Macy’s Credit Card FAQs explains payment options, rewards and payment fees. Customer service can answer any additional fee-related questions at 1-888-431-6229.
How The Penalty Fees Work
The Macy’s card carries a market-variable 24.5% APR.
Macy’s bills every 25 days, and to avoid paying the APR on revolving credit purchases you must pay the revolving balance in full.
Macy’s late payment fee is “up to $35.”
Macy’s returned payment fee is “up to $35.”
With a Macy’s card, you avoid the APR penalty by meeting your minimum payment each 25-day billing cycle. Missing one payment triggers the APR fee. Minimum payments depend on your account type.
- Macy’s Revolving Account Type: $25.00 or 3.25% of that month’s balance, or the full amount of the new balance if it’s under $25.
- Macy’s Major Purchase Account Type: $25.00 or 3.25% of that month’s balance, or the full amount of the new balance if it’s under $25.
- Macy’s Club Account Type: $25.00 or 1/12th of the new balance of the Macy’s Club Account since it last had a $0 balance.
Macy’s charges a $3 per item Document Production fee if you request past statements, or any previously provided documents from them.
I Can’t Make A Payment
We attempted to contact Macy’s billing to ask them how they would help a card holder who has fallen behind on payments. The billing call center picked up immediately, which was good. However, they were clearly an outsourced operation, and they had no procedures in place to answer our questions. For legal reasons, they were unable to comment on. We also spoke to representatives from Macys PR, HR, and corporate services but again, for internal policy reasons, no one was able to comment on Macy’s procedure for helping card holders who have fallen behind.
Will They Work With Me To Pay My Bill?
Do you have any experience paying off a Macy’s card? Let us know! Currently, we have no reader accounts of how easy or difficult Macy’s makes it for you to get out of debt with the store card.