Pay Macy Bill With Gift Card: A Detailed Guide

Paying your Macy’s bill with a Macy’s gift card is a common question for many shoppers. While it may seem intuitive to pay your Macy’s credit card bill with a gift card from the same store, unfortunately, this payment method is not allowed by Macy’s.

In this comprehensive guide, we’ll cover everything you need to know about attempting to pay your Macy’s bill with a gift card, including:

• Can You Pay Your Macy’s Credit Card Bill With a Macy’s Gift Card?
• Why You Can’t Pay Your Macy’s Bill With a Macy’s Gift Card
• What Payment Methods Macy’s Does Accept
• Tips for Paying Your Macy’s Credit Card Bill
• Frequently Asked Questions

Let’s get right into it!

Can You Pay Your Macy’s Credit Card Bill With a Macy’s Gift Card?

The short answer is no, you cannot pay your Macy’s credit card bill directly with a Macy’s gift card, either in-store or online. Macy’s does not allow gift cards to be used as a payment method for credit card bills.

This means that any Macy’s store credit, whether it’s a physical gift card or an e-gift card, cannot be used to make a payment on your Macy’s credit card account.

Unfortunately, even if you have a Macy’s gift card with a balance on it, you cannot apply that balance towards your outstanding Macy’s credit card bill. Macy’s gift cards can only be used for purchasing merchandise directly.

Why You Can’t Pay Your Macy’s Bill With a Macy’s Gift Card

There are a few reasons why Macy’s does not allow you to pay your credit card bill with a gift card

• Company policy – Macy’s has set policies in place that do not permit gift card balances as a payment method for credit card bills. This rule applies across all Macy’s credit cards.

• Different payment systems – Macy’s gift cards operate on a separate payment system than their credit cards. The gift card balance system is not integrated with the credit card payment system.

• Discourages manufactured spending – Not allowing gift cards to pay bills helps discourage manufactured spending techniques to earn points/rewards.

• Encourages gift card spending – Macy’s wants to encourage customers to spend gift card balances on merchandise purchases rather than bills.

What Payment Methods Macy’s Does Accept

While you can’t use a Macy’s gift card specifically, Macy’s does accept a variety of other payment methods for credit card bills:

• Online payments – You can pay your Macy’s credit card bill online via the Macy’s website. Accepted payment methods online include debit cards, credit cards, PayPal, and electronic bank transfers.

• Phone payments – Paying your Macy’s credit card bill over the phone is another option You can call 1-800-829-5555 and pay with a debit card, credit card or electronic check

• In-store payments – You can make a payment on your Macy’s card at any register in-store. Accepted tender types include cash, check, debit and credit cards.

• Automatic payments – Set up automatic monthly payments from your checking account to pay your Macy’s bill automatically each month.

• Mailed payments – Mail your Macy’s credit card payment to the address listed on your statement. Send via check or money order.

So while gift cards are not able to be used, Macy’s provides flexibility with several other ways to pay your bill conveniently.

Tips for Paying Your Macy’s Credit Card Bill

If you’re looking for the easiest way to pay your Macy’s credit card bill each month, here are some helpful tips:

• Set up automatic payments from your bank account. This ensures your bill is paid on time each month.

• Pay online through the Macy’s website for quick payments any time of day.

• Pay your bill as soon as possible once your statement comes out to avoid interest charges.

• Review statements carefully and report any unauthorized charges promptly.

• Pay more than the minimum amount to reduce interest paid over time.

• Contact customer service if you need help understanding your statement or making a payment.

• Update your payment method if your card number changes to avoid late fees.

Following these tips will help you stay on top of your Macy’s credit card payment each month.

Frequently Asked Questions

Here are answers to some common questions about paying your Macy’s credit card bill:

Can I use a Macy’s e-gift card to pay my bill?

No, unfortunately Macy’s e-gift cards cannot be used to pay your credit card bill either. E-gift cards are treated the same as physical gift cards by Macy’s systems.

What if I don’t have any other payment methods available?

If you do not have a bank account, credit card, debit card, or other payment method, your options would be to pay in cash at a Macy’s store or to obtain a money order to mail in.

Can I use a Macy’s gift card for part of my payment?

No, Macy’s gift cards cannot be used at all towards credit card bill payments, even if it is only part of the total payment amount.

What if I don’t have enough money in my bank account to cover the bill?

If you cannot pay your Macy’s bill in full, be sure to pay at least the minimum amount due to avoid late fees. You can then make another payment for the remaining balance later on.

What happens if I pay late?

Paying your Macy’s credit card bill late will result in late payment fees, penalty APRs, and can hurt your credit score. Be sure to pay on time to avoid these negative consequences.

The Bottom Line

Unfortunately, you cannot pay your Macy’s credit card bill directly with a Macy’s gift card due to company policy. While gift cards cannot be used, you still have various payment options like paying online, in-store, over the phone, or setting up automatic payments.

Be sure to pay your bill in full each month and on time to avoid interest and late fees. If you have any trouble making a payment, contact Macy’s customer service right away. Carefully follow the payment rules for Macy’s credit cards to maintain good financial standing.