Macy’s Bill

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.

Pay online:

Of course, you can pay your Macy’s bill online at Macy’s online payment center, here:

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.

7 Comments on “Macy’s Bill
  1. I would like to settle my bills through the net. Unfortunately, I do not have my card with me to quote my card number. Can some one help advice? How do I make my macys credit card payment with such challenges? I normally make payments by phone quoting my “checking account” number.

    I am email accessible and can be reached now for suggestions as to how to settle my bills.


  2. I want know if I could pay my bills little bit of each month,because I am not working right now. I don’t have a lot of money to pay my bill. I am going to the Macy’s store tomorrow and use their phone to contact you. So, you could help me with my problem. Hope I could like to pay half of the payment. Thanks. If you could reach me on my email. That will be great. Karen

  3. I have a Macy’s credit card . I paid the bills on time no problem.I have managed to max out the card..I need assistance in paying off the balance. Can you assist me ? I would appreciate any help.

  4. Hello! I could have sworn I’ve been to this site before but after checking through some of
    the post I realized it’s new to me. Anyhow, I’m definitely happy I found it and I’ll be
    bookmarking and checking back frequently!

  5. I can’t believe Macy’s is doing this to me again! This is the second time they try to tell me I didn’t pay my June Bill. I fax the proof my credit union gave me. I’m up to date in all my payments, I made a payment in June for $100.00 dollars and $ 1 00.00 more in July, This is for my in store credit card.when can I see my credit in my account?

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