How to Pay Your Lord & Taylor Credit Card Bill Over the Phone

If you have a Lord & Taylor credit card, paying your bill over the phone is a quick and convenient option With a few simple steps, you can call in your payment and have it applied to your account right away This article explains everything you need to know about paying your Lord & Taylor credit card bill by phone.

Overview of Paying by Phone

Paying your Lord & Taylor credit card bill over the phone is easy thanks to the automated payment system. You don’t have to wait on hold or speak with a representative. The automated system is available 24/7 so you can pay whenever it’s convenient for you.

To use the pay by phone option, you’ll need your 16-digit Lord & Taylor credit card number and the exact payment amount ready. The system will guide you through prompts to complete the payment. You can use a checking account, savings account, or another debit/credit card to make the payment.

Once the payment is processed, you’ll receive a confirmation number for your records The payment will be instantly credited to your account so you don’t have to worry about mailing delays

Steps to Pay Your Lord & Taylor Card by Phone

Follow these steps to pay your Lord & Taylor credit card bill using the automated phone system:

1. Call 1-866-465-8292 This is the dedicated Lord & Taylor credit card pay by phone number.

2. When prompted, enter your 16-digit Lord & Taylor credit card number.

3. Enter the exact payment amount you wish to make. This should match the total balance due on your latest statement.

4. Select how you want to make the payment:

   • Checking or savings account – Have your account number and routing number ready
   • Different credit/debit card – Have that card ready

5. Enter the requested payment source details when prompted. This allows the system to verify your identity.

6. Follow the remaining voice prompts to authorize and complete the payment transaction.

7. Note down the confirmation number provided at the end of the call for your records.

The whole process takes just a few minutes. The payment will post to your Lord & Taylor account immediately after you hang up.

Tips for Paying Your Bill Over the Phone

Keep these tips in mind when paying your Lord & Taylor credit card over the phone:

• Have your latest statement handy to reference your balance due, due date, and account number.

• Call at least 5-7 days before the due date to ensure on-time delivery.

• Avoid making payments on the actual due date in case you run into any issues with the automated system.

• Double check the payment amount you enter to ensure it matches your total balance due.

• Have an alternate payment method (checking account, other card) ready in case your first option doesn’t work.

• Write down the confirmation number at the end of the call and save it until the payment appears on your next statement.

• Contact Lord & Taylor customer support if your payment doesn’t process correctly or post to your account within a few days.

Is Paying by Phone Secure?

Yes, paying your Lord & Taylor credit card over the automated phone system is secure. You need to provide your full credit card number, expiration date, and CVV code so the system can verify your identity.

The pay by phone system uses secure encryption technology to protect your payment details during the call. Your information is not stored once the transaction processes. As long as you follow all prompts, paying by phone is safe.

What Happens If I Miss the Due Date?

If you miss the due date on your Lord & Taylor credit card statement, late payment fees will apply. The late fee is $29 for account balances less than $250, or $39 for balances of $250 or more.

In addition to the late fee, missing payments can harm your credit score. Payment history makes up a major part of your FICO credit score calculation. Even one late payment can cause your score to drop significantly.

To avoid late fees and credit damage, always pay your minimum due by the due date each month. Set up automated payments or calendar reminders so you never forget a payment again. Contact Lord & Taylor as soon as possible if you expect to pay late to see if they can waive the fee.

Can I Set Up Recurring Payments?

Yes, you can arrange for automatic monthly payments to be made to your Lord & Taylor credit card by phone. This ensures your bill gets paid on time each billing cycle.

To set up recurring phone payments:

• Call the pay by phone number at 1-866-465-8292.

• Follow prompts and enter your Lord & Taylor account number.

• Instead of entering a one-time payment amount, select the “recurring payment” option.

• Choose the amount and payment date each month. Ongoing payments will be made on this date until you cancel.

• Provide the payment source account details when prompted.

• Confirm the recurring payment details and authorization.

Now your Lord & Taylor bill will be paid automatically each month on the date you selected. You can still log in online to view statements and check balances.

Can I Check Payment History Over the Phone?

Unfortunately you cannot check your Lord & Taylor payment history over the automated phone system. The pay by phone number is strictly for making one-time or recurring payments on your account.

To view your full Lord & Taylor payment history and account activity:

• Log in to your online account at lordandtaylor.capitalone.com

• In the account summary, you’ll see your last payment amount and date.

• Go to the “Statements” section and select a statement month. This will show your full payment and transaction details for that period.

You can also call Lord & Taylor customer service at 1-866-465-8292 to speak with a representative who can review payment dates and amounts with you.

Who Do I Contact for Bill Pay Help?

If you need help with your Lord & Taylor credit card payment over the phone, have questions about your bill, or want to update your account, contact customer service at:

Phone: 1-866-465-8292

Hours: Daily 8am-9pm EST

The automated system is available 24/7 for payments, but representatives are only available during normal business hours.

You can also send secure messages to Lord & Taylor customer support by logging into your online account. Expect a reply within 1-2 business days.

Summary of Paying Lord & Taylor Bills by Phone

Paying your Lord & Taylor credit card bill over the phone is quick and easy with the automated system:

• Call 1-866-465-8292 anytime 24/7
• Enter your account number, payment amount, and payment source
• Receive instant confirmation when the payment processes
• Contact support if you need billing help or miss a payment
• Set up recurring payments to pay automatically each month
• Check statements online to view full payment history

Paying by phone saves time and gives you flexibility. Just remember to call at least a week before your due date and have your account details ready.