Saturday, February 4, 2023

How Can I Pay My Macy’s Credit Card Bill

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Providing An Incorrect Payment Amount

I Can’t Pay My Credit Card Bills

A mistake on a payment amount can happen whether you pay your bill online or by check.

When you pay a credit card bill online, you have the option to enter a custom payment amount. If you go that route and enter more than your card’s balance, either by mistake or because you don’t completely understand your credit card statement, then you’ll overpay your bill.

The same is true if you pay by check and you write the incorrect amount.

View My Account Balance Online

Once youve added your Macys Credit Card to your account and youre signed in, select Macys Credit Card.

Here you can view your statement balance, minimum payment due, and payment due date, as well as other information related to your Macy’s account.

Once youve added your Macys Credit Card to your account and youre signed in:

  • Select My Account
  • Select Macys Credit Card
  • Select the Statements & Recent Activity button
  • In the section, choose the date and format of the statement you want to view or print, then select the button

Select the PDF option if you are looking for an image that resembles your traditional statement. You can view and print up to 12 consecutive months of statements online. To request a copy of statements older than 12 months, contact Credit Customer Service at Mon-Sun: 10 AM10 PM ET.

How Can I Talk To Macys Customer Service

Although Macys in Spanish does not offer you the possibility of contact via online chat, it has different modes of communication such as a phone call.

If you need to communicate with the customer service in Spanish you can do it, just keep reading, as the following information is for you to read:

List of Contents

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Why Was I Charged $2 In Interest

The minimum interest charge for both of the Macys cards is $2. When you carry a balance from one month to the next on your card youll be charged interest at a high rate; if your interest charge would be less than $2, its automatically increased to $2.

Some people report being charged $2 in interest for these cards, and are confused about why this charge was applied. At first glance this may seem like a minor problem for other people, but this is an important aspect of most credit cards that could have significant effects on your credit.

In some cases, people say they paid off the entire card but were still charged interest. This is usually because of something called residual interest, or trailing interest. Given the number of people who report this issue, however, it also seems possible that theres some kind of problem or delay with the payment processing system for these cards.

Residual interest charges can occur if you carry a balance from month to month, accruing interest as you go. Say youve been carrying a balance, so you lost your grace period. You get your monthly statement, and see that a particular balance is due. You pay your bill a week after your statement closing date.

The key here is that the balance will continue to accrue interest during the week it takes you to make the payment. That extra interest, applied during the time between when you get your bill and when you actually pay it, is known as residual interest.

securely on the issuer’s website

Macys Card Fees/ Charges/ Rates

How many credit cards can I use to pay my taxes?
  • No Annual Fees
  • Balance transfer and cash advance is not the application
  • Purchase APR is 27.49% variable as per the prime rate
  • A late fee or returned payment fee up to $39

Macys Credit card qualification requirements:

  • Applicant must be a US citizen
  • Valid Government-issued photo ID, SSN, and email address
  • Age must be 18+ years

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Macys Credit Card Activation:

In case, if you have already got your credit card and looking forward to activating it then it is easy, just follow these instructions:

Step 1: Follow step 1 given in the application section.

Step 2: Just below the Apply Now button, you will find another section to activate your credit card. Click on the Activate Card button.

Step 3: You will be taken to the activation page, where you can provide the card number, Name, SSN, and Click on the Verify button to activate your card.

Macys Credit Card Application:

If you are a customer who is looking to get a credit card then it is easy to apply for it online and get it approved within 7 days. Below we have explained the procedure.

Step 1: You will need a PC, Laptop, or Mac to go ahead with the application procedure. Open a browser and visit Macys card service website. You can use Chrome or Internet Explorer, on Mac you can go ahead with Safari. You can directly visit the site using this link.

Step 2: In the middle of that page you will find an option to apply for a credit card. Click on Apply Now.

Step 3: You will be taken to the application page where you will need to provide personal information like your name, email address, postal address, telephone number, some financial information, SSN, and date of birth.

Step 4: Just below that, you will find the Terms and Conditions section which you can go through, and then check the agreement box and click Submit Application.

Step 5: Your application will be submitted and it will take up to 7 days to verify and approve. You will get your card within 10 working days.

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How To Pay Your Macys Credit Card

Macyshas all your needs, from kitchen supplies to clothing. If you shop at Macys often, it might be a good idea to get a Macys . There are different tier levels, and depending on which tier you are on, you can receive great perks!

Macys has two different credit cards. They offer the Macys Store Credit Card and the Macys American Express Credit Card.

However, if you want to use one, you have to know how to pay your Macys credit card bill on time. Continue reading to find out the different ways you can make a credit card payment with Macys.

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Macys Credit Card Payment

Pay Your Macys Bills Online with
  • Visit ;the website at


  • When the webpage is loaded, enter your username and password to log in to your personal account.
  • Once you have logged in to your account, review your credit card activity.
  • Next, go to the Macys pay bill option and set up a bank account from which the money will be transferred.
  • Finally, enter the amount you wish to pay and the date on which the payment has to be made. And thats it your bill will be paid off on the date you have mentioned.

this link


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Does Macys Accept Paypal

Yes. Macys accepts PayPal online at

Overview of Macys Credit Card

The main reward is the Macys Star Rewards scheme, which offers a certain percentage on purchases, depending on how much you spend in a year. This percentage can then be redeemed for any items of your choosing in store . There are special times of the year when exclusive deals are available, such as Choose Your Own Sale and Use Your Card Events. Rewards cannot be used to make payments for an account. In addition to star rewards, you will also receive exclusive special offers and money-off coupons, to be used online or in-store. Once you have applied for a Star Rewards Card, you will either be given the Red, Gold, Platinum or Elite card. The first card rewards spending up to $499.99 per year, gold rewards between $500 and $999.99 per year, platinum rewards between $1000 and $2,499.99 per year and elite rewards for spends of over $2,500 per year.

Macys Credit Card Interest Rates and Terms

  • Are you trying to login to the Macys credit card payment page?

    Kindest regards,

  • A Minor Inconvenience That’s Easily Resolved

    There are several ways an overpayment on a credit card can happen, but fortunately — unlike more serious — it normally isn’t a big deal. You’ll end up with a spending credit you can either use or get as a refund.

    While you won’t have any problems because of an overpaid credit card, keep in mind that there’s also no good reason to leave your card that way. It doesn’t help your credit score, and there are no advantages for you. If you have any doubt that you’ll use the credit balance within a month, you should go ahead and get your money refunded.

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    How To Make A Macys Credit Card Payment Online

    To make an online payment for your Macys store credit card or;Macys;American Express credit card, youll need to create an account first:

  • Provide your name, email address, password and birthday and click Create Account.
  • Once youve set up your account, heres how to make a payment:

  • Go to Macys online account page and;sign in with your;email address and password.
  • Select Make a Payment.
  • Follow the prompts to select the amount you want to pay, the date you want to pay and the authorized account you are paying from. Note that you cannot use a debit card for making a payment.
  • Confirm and submit your payment. It may take up to three days for your account balance to reflect your payment.
  • Making Both An Automatic And A Manual Payment Card Payment

    Automatic payments typically won’t go through if you’ve already paid your credit card bill. But once again, that lag time during payment processing could lead to an overpayment.

    If you make a manual payment a few days before an automatic payment is scheduled, the manual payment may not process in time to stop the automatic payment.

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    How Can I Add Cards To My Account Or Combine Them

    As long as you have an online profile at, you can expedite things when it comes time to check out. And dont worry if you have both the regular Macys Credit Card and the Macys American Express® Card , you can add them both to your account.

    Youll need to know your card account number, the security code on your card, your name as it appears on your card or , and the last four digits of your Social Security number.

    Start by signing in at Then, in the My Macys Credit Card section, select the Add My Card button. Enter the required information, and select the Add Card button at the bottom. If you want to add another card, select the My Macys Credit Card link on the left hand side. Select the drop down box and select the Add Another Card button. Enter the required information, and youll be good to go.

    Alerts Terms And Conditions

    The alerting service allows you to request and receive messages about your credit card account.

    Subject to the terms and conditions of your Internet service provider or mobile carrier, you may receive alerts from us via email sent to computers and/or mobile phones , as well as text messages sent to your mobile phone. As a condition to using and receiving Credit Alerts, you consent to receiving, from us, automatically dialed text messages on your mobile phone at the mobile phone number you provide. If you have any questions regarding privacy, please read our privacy policy.

    Alerts are effective as soon as you set them up in Account Online. You accept that each alert may not be encrypted, and may include your name and information pertaining to your account.

    Receipt of each alert may be delayed, or prevented by factors affecting your Internet service provider, mobile carrier, and/or other factors outside of our control. Neither we, nor our affiliates, will be liable for losses or damages arising from non-delivery, delayed delivery, or misdirected delivery of an alert; inaccurate or incomplete content in an alert; or your use or reliance on the contents of any alert for any purposes.

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    Macys Credit Card Review

    Macys offers two credit cards: a Macys card for use exclusively at Macys stores and a Macys American Express card you can use anywhere Amex is accepted. Both allow you to earn the same basic rewards, but the Macys Amex is a bit more versatile option for a new card.

    Many or all of the companies featured provide compensation to LendEDU. These commissions are how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear on our site.

    Some offers mentioned on this page may be outdated. To confirm offers and credit card details, check the issuers website.

    What we like:

    Earn rewards anywhere Amex is accepted while still qualifying for special Macys perks exclusive to store cardholders

    Intro Offer 20% off Macys purchases during the first two days your account is open, capped at $100
    Rewards Rate 3% back in rewards at restaurants, 2% back at gas stations and supermarkets, and 1% back on all other purchases
    Regular APR
    • Choice of store card or Macys-branded American Express
    • 3-2-1 rewards with the Macys Amex
    • 25% off any day you like with Star Passes
    • Added perks and benefits depending on your annual spend

    How To Pay The Bill

    Finance 101: What Happens if I can’t Pay my Credit Card Bills

    You have several options for paying your Macys bill.

    Pay online:

    Of course, you can pay your Macys bill online at Macys online payment center, here:

    Pay By Mail:

    Send a Macys Payment money order or check to:


    Pay By Phone:

    Macys Credit Card phone number: 1-888-431-6229

    NOTE: there is a fee for paying your Macys bill by phone that will be disclosed at the time of payment.

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    What About Overdraft Fees

    The biggest issue with overpaying a credit card is that it can result in an overdraft on your bank account if you don’t have enough funds to cover both payments and don’t have overdraft protection.

    Start by contacting both your credit card company and your bank as soon as possible. See if either side can stop one of the payments. If that’s impossible, you can at least request a refund right away with the credit card company and ask your bank to waive the overdraft fee. There’s no guarantee, but banks may waive overdraft fees in situations like these.

    How To Make A Macys Credit Card Payment By Mail

    Another method of payment is paying by mail. This form does typically take longer to be received, so you must be sure to send it early. You can send your payments to the following addresses based on your needs.

    For Macys American Express Account Payments, send your payment by mail to this address:

    P.O. BOX 9001108

    For Macys Payments, use this address:

    P.O. Box 9001094

    For Express Payments, use the following address:

    Macys Payment Department

    Bldg. 9, Suite 910

    Louisville, KY 40213

    When you send your payment through mail, the date that the payment was received is what will be processed. Be sure to send your payment early to avoid any late fees.

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    Add My Macy’s Credit Card To My Account

    To pay online, view your account balance, view billing statements, and more, you’ll need to add your Macy’s Credit Card or Macy’s American Express® Card to your account using your account number, your name as it appears on your card, or statement, the cards security code and the last four digits of your Social Security number.

    • Select My Account from the drop-down menu and sign in
    • In the Macys Credit Card section, select the Add Macys Card button
    • Complete your information as requested, then select the Add Card button
    • Set up your security questions, then select the Save button
    • You can also set up the Go Paperless option at this time

    Watch this video to learn more about adding your card to your account.

    Once youve added your Macys Credit Card to your account and youre signed in:

    • Select My Account
    • Select Macys Credit Card
    • Select the Make A Payment button
    • Select your payment amount, payment date, and payment source, then select the Continue button
    • On the next screen, verify your information and select the button

    Please note: Payments may take up to 3 days to appear on your account. At this time, debit cards are not accepted for online payments.

    Watch this video to learn more about paying online.

    Macys Credit Card Payment:

    Can I Use A Macy Gift Card To Pay My Bill

    Macys provides 4 options to pay for your credit card monthly statements, you can pay online, through phone, via mail, or in-store.

    Macys credit card payment Online: Macys payment center

    The online payment process is very easy, just follow the instructions to login into the portal as explained above. Once logged in find the monthly statement section and select the payment option to make the payment. You can also set up automatic payment and Macys will debit your account monthly with your outstanding bill.

    Macys card payment via phone:

    How To Pay Your Macys Credit Card bill by Phone

    • Choose the option to make payment via selecting one of the explained options

    Enter the amount of your payment, your bank account number, and the bank routing number to complete the payment

    Macys credit payment via mail:

    You can send your paychecks to the following address, do not forget to mention your credit card number or account number on the backside of the check.

    Macys Card

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