How To Cancel Macy's Credit Card?

Last Updated on June 12, 2025 by Amrita Das

Considering canceling your Macy’s Credit Card, but unsure how to begin? It’s essential to complete the process correctly to avoid unnecessary complications. So, read this guide to know the exact steps for canceling your Macy’s Credit Card, what to do before making the call, and more.

Table of Contents

What you should know before canceling your Macy’s Credit Card?

Before moving forward, it’s important to understand key details that could affect your decision and preparation:

Macy’s Credit Card Has No Annual Fee: Since the Macy’s credit card comes with no yearly cost, leaving it open may help maintain your credit history and positively impact your credit utilization ratio. Closing it without consideration might negatively affect your credit score.
Rewards and Benefits: If you’ve accumulated rewards points or discounts, they’re likely forfeited upon cancellation. Redeem these before proceeding.
Outstanding Balance: Canceling a credit card doesn’t erase any balance owed. Be sure your balance is paid off in full before requesting cancellation.
No Online Cancellation Option: You can only close your Macy’s credit card by calling their customer service. The process is straightforward but must be handled by phone.

Now that you know the basics, follow these steps to cancel your Macy’s Credit Card efficiently.

Step by Step Guide to Canceling Macy’s Credit Card

Step 1. Redeem Your Rewards

Before initiating the cancellation process, check your Macy’s account for any unredeemed rewards. Use them on purchases, as these rewards typically disappear after your account is closed.

Step 2. Pay Off Your Balance

Ensure that any outstanding balance on your Macy’s Credit Card is fully paid. Macy’s customer service will not allow you to close your account until the balance is cleared. You can do this through:

Online payment by logging into your Macy’s credit account.
Mailing a check to the address listed on your credit card statement.
Calling customer service to make a direct payment.

Step 3. Stop Automatic Payments Connected to the Card

If you’ve set up automatic or subscription payments (e.g., for streaming services or utility payments) with your Macy’s credit card, switch them to a different method of payment. This avoids any disruptions after cancellation.

Step 4. Contact Macy’s Credit Card Customer Service

Once your account is ready for closure, call Macy’s credit card customer service using the following number:

Customer Service Number: 888-257-6757

When you call:

Inform the customer representative that you’d like to cancel your Macy’s Credit Card.
Be prepared to verify your identity by providing your account details, including the card number, full name, and possibly your Social Security Number.

Step 5. Request Confirmation

After your account has been successfully closed, ask for a confirmation number or written proof of cancellation. Keep this information for future reference, just in case there are any issues after the account is closed.

What happens after you cancel the Credit Card?

Impact on Your Credit Score: Canceling your Macy’s Credit Card might impact your credit score temporarily. Closing a card reduces your total available credit, increasing your credit utilization ratio, which can lower your score.
Account Status: The canceled card will appear as a closed account on your credit report. Make sure this status is updated accurately one month after cancellation.
Credit History: While closing this card removes it from active use, its payment history will remain on your credit report for up to 10 years, contributing to the length of your credit history.

Is there any fee or potential loss incurred with deleting the Macy’s Card?

Wondering if there are any costs or implications for saying goodbye to your Macy’s card? The answer is, no – there is usually no fee to close your Macy’s card. But remember, if there’s a balance due and you ever miss a payment, you could face late fees or have an extra interest rate added to you.

However, it’s also essential to acknowledge the potential impact on your credit score. A slight drop in your rating after a credit card account is closed is common. Even if you rarely use it, sometimes keeping a card active can be beneficial to your credit health.

If you find yourself in this situation, a financial advisor can provide personalized advice, so you can take a course of action that is consistent with your financial well-being.

In addition to the potential credit score impact, there are other factors to consider before closing your Macy’s card. One of these is the loss of any rewards or benefits associated with the card.

Many store credit cards offer exclusive discounts and rewards for purchases made at their respective stores. If you frequently shop at Macy’s and take advantage of these benefits, closing your card may mean losing these benefits.

So before you decide to close your Macy’s card, carefully consider all the pros and cons, consider your spending habits, credit score impact and potential loss of rewards or benefits.

How to handle a Deceased loved one’s Macy’s Credit Card?

Dealing with a loved one’s passing can be difficult, and it’s important to prioritize protecting their financial information. This includes canceling any credit cards they may have had, such as a Macy’s credit card. Here are some steps you can follow to cancel the account respectfully and responsibly.

Gather necessary documents

Before contacting Macy’s customer service, gather important information such as your loved one’s full name, birthdate, address, and account number. It may also be helpful to have the credit card itself in your possession. Additionally, you will need to provide proof of death by obtaining a death certificate.

Contact customer service

Once you have all the necessary documents, call Macy’s customer service using the number found on the back of the credit card. Inform them of your loved one’s passing and request to close their account.

Follow instructions

The customer service representative may ask for additional documentation or proof that you have the authority to act on behalf of the deceased. Be sure to carefully follow their instructions and provide any required documents by mail.

Settle any remaining balance

If there is a balance on the credit card, it will need to be settled before the account can be closed. This amount will come from your loved one’s estate and should not be paid out of pocket.

Keep records for security purposes

It’s important to keep all statements related to the closed account for at least 90 days. Unfortunately, scammers often target the accounts of the recently deceased, so it’s important to monitor the balance and activity.

Destroy all cards

Once the account is officially closed, be sure to destroy any credit cards associated with it. This includes authorized user cards as well. Shredding or cutting up the cards can prevent them from falling into the wrong hands.

How to close or delete your AutoPay and one-time payments?

Managing your AutoPay and one-time payments is an essential part of keeping your finances in order. Whether you need to cancel a payment or make changes to your existing setup, it’s important to know the steps involved.

Here, I will share the process for canceling or editing both AutoPay and one-time payments. So, need to adjust or stop an AutoPay or a single payment on your Macy’s credit account? It’s simple, just follow these steps:

Go to the Macy’s Credit Card section and sign in with your email and password.
Click on “Manage AutoPay” found beneath the “Make a Payment” option.
In the “Upcoming Payments” area, you’ll see a list of payments you’ve set up. Hit the plus icon next to any payment to expand the details.
From there, you can make changes or remove payments as needed.

Frequently Asked Questions: Canceling Macy’s Credit Card

Can I cancel my Macy’s Credit Card online?

No. Macy’s does not currently provide an option to cancel its credit card online. You must contact customer service at 888-257-6757.

Will closing my Macy’s Credit Card hurt my Credit Score?

Closing your Macy’s Credit Card may temporarily lower your credit score due to:

Higher Credit Utilization Ratio: Your total credit limit decreases while your usage remains the same, increasing the percentage utilized.
Reduced Credit Age: If this is your oldest account, closing it could reduce the average age of your credit history.

Keeping the account open but unused would maintain its positive credit impact.

Can I Reactivate My Macy’s Credit Card After Cancellation?

No, once a Macy’s Credit Card is canceled, it cannot be reactivated. You’ll need to submit a new card application to regain access.

What are the different ways to activate my New Card?

There are multiple options for activating your new card, including:

Online activation through the card issuer’s website.
Activation over the phone by calling the issuer’s customer service line.
In-person activation at a retail store or branch location.

How can I activate my new Macy’s Card online?

To start using your new Macy’s Card, you need to activate it online and follow these easy steps to get started:

Head over to the “My Macy’s Credit Card” section by visiting the website.
Look for the “Activate Card” button in black and click on it.
Fill in your information on the “Macy’s Credit Card Verification” page to activate your card and start shopping.

Can I activate my new Card before it arrives in the Mail?

In some cases, yes. Some issuers may offer the option to activate your card online or over the phone before it even arrives in the mail. This can be a convenient way to start using your new card right away.

What Are the Alternatives to Canceling the Card?

If you’re hesitant about canceling but still want to avoid active usage:

Use the card occasionally for small purchases and pay off the balance fully each month.
Store it safely to avoid regular use while keeping it open to maintain its benefits on your credit report.

Learn More:

Final Word

So, in conclusion, I would say that by following the steps mentioned above, you can ensure an easy hassle-free credit card cancellation experience. Remember to pay off any remaining balances, use up any reward points, and destroy the credit card to protect you from potential fraud.

And if you ever need assistance during this process, don’t hesitate to contact Macy’s customer service for guidance and assistance. So, it is essential to consider all the factors before taking the final decision to cancel your Macy’s credit card.

How To Cancel Macy’s Credit Card?