How To Cancel Your Macy's Credit Card (Step-By-Step)

Last Updated on June 22, 2026 by Amrita Das

To cancel your Macy’s Credit Card, call Macy’s Credit Customer Care at 1-888-257-6757 (TTY: 711), open Monday–Sunday, 8am–10pm ET. There’s no online cancellation option. Before you call, pay off your balance, redeem unused Star Rewards, and move any recurring payments to another card.

Closing a credit card sounds simple, but a few missed steps can leave you with declined payments, forfeited rewards, or a surprise dent in your credit score. The Macy’s Credit Card is no exception.

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While the card carries no annual fee, there are good reasons people decide to close it—maybe you’re simplifying your finances, you rarely shop at Macy’s anymore, or you want to reduce the number of accounts you manage.

Whatever your reason, this guide walks you through exactly how to cancel your Macy’s Credit Card the right way. You’ll learn what to do before you pick up the phone, the precise steps to close your account, how cancellation can affect your credit score, and a few alternatives worth considering before you commit. Let’s get into it.

Can you cancel a Macy’s Credit Card online?

No. Macy’s does not offer a way to cancel your credit card online or through its app. The only way to close your account is by calling Macy’s Credit Customer Care at 1-888-257-6757 (TTY: 711). Lines are open Monday through Sunday, 8am–10pm ET.

This catches a lot of people off guard, since many issuers now let you close accounts with a few clicks. With Macy’s, you’ll need to speak to a representative directly. The good news is that the call itself is quick—as long as you’ve prepared in advance.

What to do before you cancel your Macy’s Credit Card

A little prep work saves you a lot of hassle later. Take care of these four things before you make the call.

Pay off your remaining balance

Canceling a credit card does not erase what you owe. You’re still responsible for paying off any outstanding balance, and Macy’s customer service generally won’t close your account until the balance is cleared. You can settle your balance in a few ways:

Online: Sign in to your macys.com account, select Macy’s Credit Card, then choose Make A Payment. Note that payments can take up to 3 days to post, and debit cards aren’t accepted online.
By phone: Call 1-888-257-6757 with your account number and U.S. bank information ready.
By mail: Send a check to Macy’s Credit Card Payments, PO Box 60703, City of Industry, CA 91716-0703 (or PO Box 71359, Philadelphia, PA 19176-1359).
In-store: Pay at the At Your Service counter using cash, check, debit card, or money order.

Redeem your Star Rewards

Any unused Star Rewards points or certificates are typically forfeited the moment your account closes. If you’ve built up rewards, spend them before you cancel—otherwise you’re leaving money on the table.

Cancel or move linked payments

If your Macy’s card is set up to pay recurring bills—streaming services, utilities, subscriptions—switch those to a different payment method first. Forgetting this step can lead to declined charges and late fees on accounts you didn’t even realize were linked.

It’s also worth checking your AutoPay settings. To edit or cancel an upcoming payment, sign in, select Macy’s Credit Card, choose Manage AutoPay below the Make a Payment section, then expand the payment you want to change.

Remove authorized buyers

If you’ve added authorized users to your account, consider removing them before cancellation. You can do this online by selecting Add or Remove a Card, then choosing Remove next to the user—or handle it during your call.

How to cancel your Macy’s Credit Card step by step

Once your account is balance-free and your rewards are redeemed, follow these steps.

Step 1: Call Macy’s Credit Customer Care

Dial 1-888-257-6757 (TTY: 711) during business hours: Monday–Sunday, 8am–10pm ET. When you reach the automated menu, say the reason for your call or follow the prompts to speak with a representative.

Step 2: Verify your identity

The representative will need to confirm who you are before closing the account. Have these details ready:

Your card number
Your full name
Possibly your Social Security number

Step 3: Request the cancellation

Clearly tell the representative you’d like to close your Macy’s Credit Card account. They may ask why you’re canceling or offer incentives to keep the account open. You’re under no obligation to accept.

Step 4: Ask for written confirmation

Before you hang up, request a confirmation number or written proof that your account has been closed. Keep this somewhere safe. If a billing question pops up later, this record is your evidence that you closed the account when you said you did.

Step 5: Check your credit report

About a month after cancellation, review your credit report to confirm the account shows as “closed.” If it still appears active, contact Macy’s with your confirmation details to get it corrected.

How does canceling a Macy’s Credit Card affect your credit score?

Closing a credit card can lower your credit score in the short term, though the impact depends on your overall credit profile. Here’s why it happens:

Higher credit utilization ratio: When you close a card, you lose its credit limit. If you carry balances on other cards, that loss shrinks your total available credit and pushes your utilization ratio up—a key factor in your score.
Reduced average account age: If your Macy’s card is one of your older accounts, closing it can lower the average age of your credit history over time.

There’s a silver lining. Your closed account’s payment history stays on your credit report for up to 10 years, so a long record of on-time payments continues to work in your favor even after the account is closed.

Because the Macy’s Credit Card has no annual fee, keeping it open and unused is often the gentler option for your score. An open card with a $0 balance still reports positive information to the credit bureaus each month.

Are there fees for closing a Macy’s Credit Card?

There’s typically no fee to close your Macy’s Credit Card. The card carries no annual cost, so canceling won’t trigger a charge on its own.

That said, watch out for indirect costs. If you cancel while a balance remains and you miss a payment, you could face late fees—or have a higher interest rate applied. Settling your balance in full first sidesteps these risks entirely.

Should you cancel or keep your Macy’s Credit Card?

This depends on your habits and goals. A few questions can help you decide:

Do you still shop at Macy’s? If you regularly use the card’s discounts and rewards, closing it means giving up those perks. Choose to keep it if those benefits outweigh the hassle of managing another account.
Are you worried about fraud or clutter? If an unused card sitting in a drawer makes you nervous, or you simply want fewer accounts to track, canceling can bring peace of mind.
Is your credit score a priority right now? If you’re planning to apply for a mortgage or loan soon, keeping the account open may help protect your utilization ratio and credit age.

If you’re on the fence, here are two middle-ground options:

Use it occasionally. Make a small purchase every few months and pay it off in full. This keeps the account active without much effort.
Store it safely. Tuck the card away to avoid temptation while keeping the account open to preserve its positive credit impact.

How to handle a deceased loved one’s Macy’s Credit Card

Closing a credit card after someone passes away requires a few extra steps. Here’s how to do it respectfully and securely:

Gather documents. Collect the cardholder’s full name, birthdate, address, and account number. You’ll also need a death certificate as proof.
Contact customer service. Call the number on the back of the card, explain the situation, and request that the account be closed.
Follow their instructions. The representative may ask for additional documentation proving you have authority to act on behalf of the deceased. Mail any required documents as directed.
Settle any balance. Any remaining balance is paid from the estate—not out of your own pocket.
Keep records. Hold onto statements for at least 90 days, since accounts of the recently deceased are sometimes targeted by scammers.
Destroy the cards. Once the account is closed, shred or cut up all cards, including authorized user cards.

Frequently asked questions

Can I cancel my Macy’s Credit Card online?

No. Macy’s doesn’t offer online cancellation. You must call Macy’s Credit Customer Care at 1-888-257-6757 (TTY: 711), available Monday–Sunday, 8am–10pm ET.

Will canceling my Macy’s Credit Card hurt my credit score?

It can lower your score temporarily by raising your credit utilization ratio and, if it’s an older account, reducing the average age of your credit history. Because the card has no annual fee, keeping it open and unused often does less harm to your score.

Can I reactivate my Macy’s Credit Card after canceling?

No. Once a Macy’s Credit Card is closed, it can’t be reactivated. You’d need to submit a brand-new application to get a card again.

Do I still have to pay my balance after canceling?

Yes. Canceling does not erase what you owe. You’re responsible for paying at least the minimum each month until the balance is cleared—so it’s best to pay it off in full before you close the account.

Is there a fee to cancel a Macy’s Credit Card?

No. There’s typically no fee to close the account. Just be mindful that missing a payment on a remaining balance could lead to late fees or added interest.

What happens to my Star Rewards if I cancel?

Any unused Star Rewards points or certificates are usually forfeited once your account closes. Redeem them before you call to avoid losing them.

Final thoughts

Canceling a Macy’s Credit Card is straightforward once you know the steps: clear your balance, use up your rewards, move your linked payments, then call 1-888-257-6757 to close the account. Asking for written confirmation and checking your credit report afterward are the small steps that protect you down the road.

However, since the card has no annual fee, there’s no financial penalty for keeping it open—and doing so may actually help your credit score. But if simplifying your finances or guarding against fraud matters more to you, closing the account is a perfectly reasonable choice. Whatever you decide, going in prepared makes the whole process painless.

How To Cancel Your Macy’s Credit Card (Step-By-Step)