Call Macy's customer service to request closure

The fastest way to close a Macy's credit card is to call the customer service number on the back of your card. Have your card and account number ready. Tell the representative you want to close the account. They will confirm your identity, review your account balance, and process the closure request on the call.

Macy's customer service is available Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday and Sunday, 9 a.m. to 8 p.m. Eastern time. The call typically takes 5 to 10 minutes. The representative will give you a confirmation number — write this down.

Pay off your balance before or immediately after closing

If your card has a balance, you must pay it before closure is final. You can pay the full amount during the call if you have a bank account number ready, or you can pay online through your Macy's credit card account portal after the call. Macy's will not close an account with an outstanding balance.

Even if your balance is zero, paying any remaining amount immediately after closure prevents interest charges from accruing. After closure, you can still make payments on the account, but you cannot make new purchases.

Confirm closure in writing within 30 days

Send a written confirmation letter to Macy's requesting closure. Include your account number, full name, and the date you called to request closure. Mail it to the address listed on your statement under "Send Payments To" or contact customer service for the correct mailing address for closure requests.

Written confirmation creates a paper record of your closure request. This protects you if there is a dispute later about whether the account was actually closed. Keep a copy of the letter and note the date you mailed it.

Monitor your credit report for 30 to 60 days

After closure, the account will show as "closed by consumer" on your credit report. This status appears within 30 to 60 days. Check your credit report through AnnualCreditReport.com, which is the only federally authorized free source. Look for your Macy's account to confirm it shows as closed.

If the account still shows as open after 60 days, call customer service again with your confirmation number from the original closure request. Ask them to verify the closure date in their system and request they send written confirmation that the account is closed.

Key Takeaways

  • Call the number on the back of your Macy's card and tell the representative you want to close the account; they will process it immediately and give you a confirmation number.
  • Pay off any remaining balance before or right after the call to avoid interest charges and ensure the closure is final.
  • Send a written letter to Macy's within 30 days requesting closure, including your account number and the date of your phone call.
  • Check your credit report 30 to 60 days later to confirm the account shows as "closed by consumer."

What happens to your credit score when you close the card

Closing a credit card can lower your credit score temporarily because it reduces your total available credit. If the Macy's card was one of your oldest accounts, closure may also lower the average age of your accounts, which affects your score. The impact is usually small if you have other open accounts and low balances on them.

The account will remain on your credit report for up to seven years after closure, even though you can no longer use it. During this time it continues to show your payment history, which is why closing an account with a good payment record is less damaging than closing one with missed payments.

What to do if you want to reopen the account later

Macy's may reopen a closed account within a short window after closure — usually 30 to 90 days — if you call and request it. After that window, you would need to submit a new application. The new application goes through the standard approval process, and approval is not may provide.

If you think you might use the card again, consider keeping it open but unused instead of closing it. An unused card with a zero balance does not hurt your credit score and preserves your credit history with Macy's.

Frequently Asked Questions

Do I have to pay off my balance before closing?

Yes. Macy's will not process a closure request if your account has an outstanding balance. You must pay the full amount owed before the account can be closed. If you cannot pay the full balance immediately, ask the representative about a payment plan before requesting closure.

Will closing the card hurt my credit score?

Closing a credit card typically lowers your score slightly because it reduces your available credit and may lower the average age of your accounts. The impact is usually temporary and smaller if you have other open accounts with low balances. Your score will recover over time as you continue to pay other bills on time.

Can I close the card online instead of calling?

Macy's does not offer online closure through their website or mobile app. You must call customer service to close the account. However, you can pay your balance online before or after the call, and you can send written confirmation by mail.

What if I have rewards points on the card when I close it?

Use your rewards points before you close the account. Once the account is closed, you may lose access to any remaining points. Check your account balance and redeem points for purchases or statement credits before calling to request closure.

How long does it take for the account to actually close?

The closure request is processed immediately when you call, but it may take 30 to 60 days for the account to show as closed on your credit report. During this time, the account is closed to new purchases but may still appear as open in Macy's system. Written confirmation helps establish the exact closure date.