Call Macy's customer service to pay your bill over the phone
You can pay your Macy's credit card bill by calling Macy's customer service directly. The phone number is on the back of your Macy's card or on your monthly statement. When you call, have your account number and payment amount ready, and be prepared to provide a bank account number or debit card information to process the payment.
Payments made by phone are usually processed the same day if you call before the payment deadline. If you call after the deadline has passed, the payment will still go through, but you may be charged a late fee depending on how many days past due your account is. Check your statement to see what your payment deadline is each month.
Phone payments do not require you to create an online account or download an app. This can be useful if you prefer not to manage your account online or if you have questions about your bill that you want to discuss with a representative while paying.
Key Takeaways
- The phone number for Macy's customer service is printed on the back of your card and on your monthly statement.
- You will need your account number and either a bank account or debit card to complete a phone payment.
- Payments made by phone are typically processed the same day if you call before your payment deadline.
- Late fees apply if your payment arrives after the due date shown on your statement, even if you call to pay by phone.
- Phone payments do not require you to set up online banking or use a website.
What information you need before calling
Gather these items before you dial: your Macy's account number (found on your card or statement), the amount you want to pay, and either your checking or savings account number or a debit card number. If you are paying from a bank account, you will also need your bank's routing number, which appears on the bottom left of your checks.
Have your statement in front of you so you can see your current balance, minimum payment due, and payment deadline. If you have questions about specific charges or your interest rate, the representative can answer those while you are on the phone.
How the payment process works over the phone
When you reach a Macy's representative, tell them you want to make a payment. They will ask for your account number to pull up your account. Then they will tell you your current balance and ask how much you want to pay — you can pay the full balance, the minimum payment, or any amount in between.
Next, the representative will ask whether you are paying from a bank account or a debit card. If you choose a bank account, provide your routing number and account number. If you use a debit card, provide the card number, expiration date, and the three-digit security code on the back. The representative will process the payment immediately and give you a confirmation number.
Write down the confirmation number and the date and time of your call. Keep this information until the payment appears on your next statement, which usually takes one to three business days.
When your payment will show up in your account
Payments made by phone are posted to your account within one to three business days. This means the money leaves your bank account or is charged to your debit card right away, but Macy's may take a few days to update your credit card balance. During this time, your account will show the payment as pending.
If you are close to your payment deadline and worried about a late fee, call at least three business days before the due date. This gives Macy's time to process and post the payment before the deadline passes. If you call on the due date itself, the payment may not post in time to avoid a late fee.
What happens if you miss the payment deadline
If your payment is not posted by the due date on your statement, Macy's will charge a late fee. The amount of the late fee varies but is typically between $25 and $40, depending on your account terms. A late payment also appears on your credit report and can lower your credit score.
If you realize you will miss the deadline, call as soon as possible. Even though a late fee may still apply, paying quickly prevents additional fees from building up. After one late payment, Macy's may also raise your interest rate on future purchases.
Other ways to pay your Macy's bill
Phone payment is one option, but you can also pay online through the Macy's website or mobile app, by mail, or in person at a Macy's store. Online and app payments are often faster because they post within one business day, and you can schedule payments in advance so you never miss a deadline.
Paying by mail takes seven to ten business days, so you need to mail your check well before the due date. In-store payments at a Macy's customer service desk are processed immediately, but this option is only useful if you have a store nearby and can visit during business hours.
Frequently Asked Questions
Is there a fee to pay by phone?
No, Macy's does not charge a fee for paying your bill by phone. The only fees you may owe are late fees if your payment does not arrive by the due date, or interest charges on your remaining balance if you do not pay the full amount.
Can I pay someone else's Macy's bill by phone?
You can pay if you are an authorized user on the account or if the account holder gives you permission and their account number. The representative will ask security questions to confirm you have the right to make the payment. If you are not authorized, you will not be able to process the payment.
What if I want to set up automatic payments instead?
You can set up automatic payments through the Macy's website or app, where you choose a payment amount and due date each month. Automatic payments are deducted from your bank account on the date you select, which removes the risk of forgetting to pay. You can change or cancel automatic payments at any time through your online account.
Can I pay my Macy's bill with a credit card over the phone?
No, Macy's only accepts bank account or debit card payments by phone. You cannot pay a Macy's credit card bill with another credit card. If you want to use a credit card, you would need to transfer the balance to that card through a balance transfer offer, which is a separate process.
What should I do if the payment does not show up after three days?
Call Macy's customer service again and provide your confirmation number from the original call. The representative can look up the payment and tell you its status. If the payment was lost or not processed, they can help you make another payment or investigate what happened.