How to Pay Your Lord & Taylor Credit Card Bill Online or by Mail

Lord & Taylor is an iconic American department store founded in 1824. If you have a Lord & Taylor credit card, you’ll receive a monthly bill for any purchases, interest, and fees charged to your account. It’s important to pay your Lord & Taylor credit card on time each month to avoid late fees, penalty APRs, and damage to your credit score.

This guide will outline the online and mail payment options, procedures, and tips for paying your Lord & Taylor credit card bill quickly and easily each billing cycle.

Online Bill Pay with Lord & Taylor

The fastest and most convenient way to pay your L&T credit card bill is online through their website. Here’s how it works:

• Go to lordandtaylor.com/account/login and log into your online account.

• From your account dashboard, select “Pay Bill” under your Lord & Taylor credit card account section.

• Choose the amount to pay – you can pay the minimum, statement balance, custom amount, or full balance.

• Enter your bank account or other payment information and submit.

• Your payment will process instantly and you’ll receive a confirmation email with the details.

Paying online is secure, processed immediately, and helps avoid late fees as long as you pay by the due date. You can set up text/email bill reminders as well.

Paying by Mail with Check or Money Order

To pay your Lord & Taylor bill by physical mail, follow these steps:

• Have your latest monthly billing statement handy so you know your balance.

• Make your check or money order payable to Lord & Taylor.

• Write your 16-digit Lord & Taylor credit card account number on the check or money order.

• Mail your payment to the address on your billing statement at least 5-7 days before the due date:

  Lord & Taylor
  PO Box 960017
  Orlando, FL 32896-0017

• Keep the return receipt or tracking number from your mail payment for records.

• Log into your account to confirm they received your mailed payment on time.

Mail is a fine option if you prefer paying bills manually or don’t want to input sensitive banking information online. Just allow extra time for processing and delivery.

Pay by Phone

You can pay your Lord & Taylor credit card bill 24/7 by calling their automated line at:

• 1-800-789-2985

The automated system will guide you through the entire payment process. Just have your account number, billing details, and payment info ready. Phone payments process almost instantly.

Set Up Autopay

For the easiest bill payment method, enroll in autopay through your online Lord & Taylor account. This automatically pays your statement balance each month on the due date from your chosen bank account.

You can update the autopay settings or cancel it at any time. Autopay prevents missed payments and frees you from remembering monthly bills.

Confirm Your Lord & Taylor Payment Posted

To ensure your Lord & Taylor credit card payment went through on time, always verify it posted within a few days. You can check:

• Your online account for recent transactions
• Your bank/card statement for the payment deduction
• Your monthly e-statement balance and payment history

Monitoring payment confirmations prevents any issues or discrepancies from falling through the cracks.

Avoid Late Fees and Penalties

When paying your Lord & Taylor credit card bill, be sure to avoid costly late fees and penalty APR increases:

• Pay at least the minimum due before the due date to avoid late fees.

• Pay the full balance whenever possible to prevent interest charges.

• Set payment reminders a week before your bill is due.

• Enroll in autopay to guarantee on-time payments if you tend to forget due dates.

• Contact Lord & Taylor immediately if you can’t make a payment and may pay late.

Staying on top of your due dates and payments keeps your account in good standing and your credit intact.

Payment Options If You Can’t Pay in Full

If you can’t pay your Lord & Taylor bill in full one month, consider these options to maintain your account:

• Pay whatever you can afford by the due date to avoid late fees.

• Opt into hardship programs that let you skip a payment each year with no penalty.

• Set up a payment plan to pay your balance off over several months.

• Use Lord & Taylor reward points to offset charges on your next bill.

• Transfer part of your balance to a 0% intro APR credit card temporarily.

• Consolidate high-interest debts with a lower fixed rate personal loan.

While paying the monthly statement balance in full is ideal, these options can provide relief if you’re in financial hardship.

Ways to Lower Your Monthly Bill

Aside from making regular payments, there are also ways to reduce your Lord & Taylor credit card balance and minimize future monthly bills:

• Pay more than the minimum when possible to pay down principal faster.

• Avoid further charges until your balance is paid down.

• Request a lower credit limit if you don’t need much available credit.

• Transfer existing balances from higher APR cards to save on interest.

• Only charge what you can comfortably pay off monthly.

• Contact Lord & Taylor and request an APR reduction.

• Consolidate other debts onto the card then get a consolidation loan at a lower interest rate.

Monitoring your spending and monthly bill while aggressively paying down your balance keeps costs low going forward.

Managing credit card bills responsibly takes discipline, but is key to maintaining good credit. Pay your Lord & Taylor bill on time, keep balances low, and utilize all available resources to optimize affordability. Handling monthly payments promptly protects your financial health.