Macy's Credit Card Customer Service

Phone Number & Contact Info

Macy's Credit Card's Best Phone Number

888-257-6757
Toll-free·Calls Customer Service·Most popular Macy's Credit Card number
Q:

How do I talk to a live human at Macy's Credit Card?

A:Say "Representative" 2 times, then say "Something Else."
Q:

Does Macy's Credit Card offer 24 hour customer service?

A:Not at this number; hours here are Mon-Sun 9am-12am EST. The least busy day is Sunday, and the most busy day is Tuesday.
Q:

How long will I wait on hold?

A:The average hold time is 3 minutes. The longest hold times are on Thursday, and the shortest are on Wednesday. How is this calculated?

Macy's Credit Card Customer Phone Numbers

Billing

888-431-6229
Toll-free · 24 hours, 7 days · Just keep pressing 0* · In a few words, please tell me why you are calling today.

Amex Card Customer Service

877-204-7996
Toll-free · 24 hours, 7 days · Just wait on the line · In a few words, please tell me why you are calling today.

International Customer Service

513-573-7912
24 hours, 7 days · Calling this Macy's Credit Card number should go right to a real human being · International Helpline - Just hold for the next available representative.

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Macy's Credit Card phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Say "Representative" 2 times, then say "Something Else."
Here is how our research team describes the way the Macy's Credit Card phone system greets you: In a few words, please tell me why you are calling today.
Below are some clips we've found from Macy's Credit Card's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask your reason for calling (instead of a menu)

"Thank you for calling Macy's Credit and Customer Service Biz.
This call may be monitored or recorded.
In a few words, please tell me why you're calling today."
Excerpt from a call with Macy's Credit Card
Wednesday, June 12, 2024 8:07 PM

They may ask you to enter information with the dial pad

"How would you like to access your account information?
To use your account number, press one. To use your Social Security number, press two.
Please enter your full nine digit Social Security number."
Excerpt from a call with Macy's Credit Card
Tuesday, May 21, 2024 6:55 PM

They may ask you to say or enter information

"You are now in our speech enabled system. To switch back to our touch tone system, press star star at any time.
How would you like to access your account information?
You can say account number or Social Security number."
Excerpt from a call with Macy's Credit Card
Sunday, June 16, 2024 12:28 PM

The first phone menu

"Thank you for calling Macy's Credit and Customer Services. This call may be monitored or recorded. In a few words, please tell me why you're calling today. I'm not sure I got that. In a few words, please tell me why you're calling today. Let's try a different way. I'm sorry. I didn't get that.
If you're calling about your credit card account, press one.
If you're calling for something else, press two."
Excerpt from a call with Macy's Credit Card
Saturday, May 11, 2024 8:55 PM

What are the hours and when should I call?

Macy's Credit Card operates the call center for this 888-257-6757 phone number Mon-Sun 9am-12am ET. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 2,657 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Macy's Credit Card phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Macy's Credit Card staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Macy's Credit Card is Sunday. The most busy day to call is Tuesday, which averages 82% more phone calls by comparison. Again, this is based on a sample of 2,657 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Busiest
Wed
Thu
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Wednesday. The longest wait in the queue on average occurs on Thursday.

The best time to call Macy's Credit Card

In summation, the best day to call Macy's Credit Card is Thursday.

Calling this Macy's Credit Card Customer Number

Christian Allen is the editor / author responsible for this content.
May 29, 2024

Calling the Macy's credit card customer service number was actually surprisingly effective, despite the initial appearance of a chokepoint. When I called this number, I was asked for the reason I was calling and told that I could say things such as make a payment or return an item.

I said I was calling about returns, and the system took me to the touch-tone phone menu. I was then asked how I would like to access my account. I was given a choice of either entering my account number or my social security number. Not having an account number and not wanting to provide my social security number, I opted to do nothing. The system then repeated itself, and I tried hitting a different button that what it had requested and saying I did not wish to use either option. The system would then repeat its message.

After repeating itself six times, the system did take me past the main menu and connect me to a representative, who asked what she could do to assist me. I told her that I wanted to findĀ out how long I had to return an item I had ordered from Macy's, and she told me that I would have 30 days from the time I placed the order. I asked her if this was calendar days or business days, and she told me that it was calendar days and reiterated that the clock would start when I placed the order, not when I received it. I thanked her for the information and ended the call.

Overall, I think there would be better ways to get information, but this number would be useful if you're actually holding the Macy's credit card. If you're a regular Macy's customer, you should probably use a different number, although this one is still effective.

Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.

Why Customers Call Macy's Credit Card

If you have time to do a bit of reading before you call Macy's Credit Card, we recommend you read over some of our problem-specific articles.

What is the credit limit for Macy's Credit Card?

The credit limit for Macy's Credit Card varies depending on individual factors such as creditworthiness and income. When you apply for the card, Macy's will review your application and assess your financial situation to determine an appropriate credit limit for you. Factors such as your credit history, income, and debt-to-income ratio will be taken into consideration. If approved, you will be notified of your credit limit in your approval letter or email. Macy's also provides the option for credit limit increases over time, subject to credit evaluation. It is important to note that responsible use of your Macy's Credit Card, including timely payments and managing your credit utilization, may influence your eligibility for credit limit increases in the future.

What are the benefits of having a Macy's Credit Card?

Having a Macy's Credit Card comes with several enticing benefits. Firstly, cardholders receive rewards points for each dollar spent at Macy's, both online and in-store, allowing them to earn rewards faster and redeem them for Macy's merchandise. Additionally, exclusive savings and discounts are offered throughout the year, such as special sales events and extra savings days. Macy's Credit Cardholders also enjoy access to various cardholder-only events and promotions. Another key benefit is the ability to easily manage and track purchases online through their Macy's Credit Card account. There's no annual fee for the card, and cardholders can enjoy extra savings by using their card regularly. Overall, having a Macy's Credit Card brings convenient shopping, exclusive rewards, and significant savings for loyal Macy's customers.

What is the interest rate on Macy's Credit Card?

The interest rate on Macy's Credit Card varies depending on your creditworthiness and the current market conditions. The Annual Percentage Rate (APR) for purchases can range from 25.24% to 27.99%. However, it is important to note that the APR is subject to change and may fluctuate over time. For cash advances, the APR is generally higher, ranging from 27.99% to 29.99%. It is advisable to review the terms and conditions provided with your Macy's Credit Card to determine the applicable interest rates for your specific situation. Additionally, maintaining a good payment history and paying your bills on time can potentially help negotiate a lower interest rate.

Top Macy's Credit Card customer service problems

Click the link above to get answers to just about any Macy's Credit Card customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Macy's Credit Card, and their purpose. Are any of these similar to the reason you are trying to call?
: "undefined"
- From a call lasting 4m 17s , Jul 8, 2024 8:45 PM
Repetitive confirmation: "The caller repeated 'Yes' multiple times during the call."
- From a call lasting 5m 1s , Jul 8, 2024 6:20 PM
Verification of identity: "Verifying identity with Social Security number."
- From a call lasting 1m 36s , Jul 8, 2024 5:13 PM
Checking credit card approval: "Checking on credit card approval."
- From a call lasting 7m 43s , Jul 3, 2024 9:37 PM
General customer service: "I need assistance with a general customer service inquiry."
- From a call lasting 3m 17s , Jul 2, 2024 6:33 PM
Issue with card expiration: "My card expiration is 3/24 and I never received a new one."
- From a call lasting 9m 13s , Jun 30, 2024 7:26 PM
Order inquiry: "Start with the order."
- From a call lasting 4m 36s , Jun 29, 2024 10:22 PM
Dispute charge: "I need to dispute a charge on Peter's account."
- From a call lasting 4m 31s , Jun 25, 2024 10:10 PM
Account inquiry: "I want to check my account, please."
- From a call lasting 6m 13s , Jun 24, 2024 3:15 PM
Inquiring about account balance: "What is my balance?"
- From a call lasting 5m 27s , Jun 22, 2024 8:19 PM

More Macy's Credit Card Customer Service Contacts

There are of course other ways to contact Macy's Credit Card customer service besides the phone. Below we list the best ones, by medium.

Macy's Credit Card Customer Service Live Chat

customerservice-macys.com - Customer Service
Sign in to enter chat. Must have Macy's account.
If phone-based customer service is not available, or the wait times are long, many people prefer chat as a next-best option. Some even prefer it to calling on the phone. Luckily, Macy's Credit Card provides this option.

Macy's Credit Card Customer Email Addresses

creditservices@macys.com - Customer Service
Customer service email address
Corresponding with a customer service department by email may not be your first choice, especially if your issue is urgent or time-sensitive. But email is a nearly ubiquitous form of communication, and Macy's Credit Card will reply our your email.

Macy's Credit Card Customer Help Desk / Web Support

macys.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Macy's Credit Card customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Macy's Credit Card's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Macy's Credit Card agent. This phone number is Macy's Credit Card's best phone number because 14,574 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 888-257-6757 include Setup an account, Question, Complaint, Lower my rate and other customer service issues. Rather than trying to call Macy's Credit Card first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or chat or web or email. In total, Macy's Credit Card has 4 phone numbers. It's not always clear what is the best way to talk to Macy's Credit Card representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Macy's Credit Card. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Macy's Credit Card. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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