How to Use a Gift Card to Pay Your Macy’s Credit Card Bill

As a Macy’s credit card holder, you may be wondering if you can use a gift card to pay your bill. With over 25 million Macy’s credit card holders in the U.S., this is a common question. While Macy’s does not directly accept gift cards as payment for credit card bills, there are some creative workarounds to accomplish this. In this article, I’ll explain the methods you can use to pay your Macy’s credit card bill with a gift card.

Overview of Paying Macy’s Credit Card Bills

First, let’s review the standard payment options accepted by Macy’s for credit card bills:

• Cash, check, or money order – Pay in person at any Macy’s store
• Debit card – Pay in stores or online
• Electronic bank transfer – Pay online by linking checking/savings account

Macy’s does not accept the following to pay credit card bills

• Credit cards
• Macy’s gift cards or e-gift cards
• Third-party gift cards (Visa, Mastercard, American Express, etc)

So gift cards are not directly allowed. But with a couple extra steps you can convert your gift card funds into a form accepted by Macy’s for credit card payments.

Using a Macy’s Gift Card to Pay Your Bill

If you have a Macy’s gift card or e-gift card, you can use it to buy merchandise at Macy’s, then return the items and get cash back to pay your credit card bill. Here is the process:

1. Go to any Macy’s store and use your gift card to purchase merchandise. Try to buy small, easily returnable items.
2. Keep the receipt and leave the tags on the items.
3. Within 30 days, return the unopened merchandise to any Macy’s store. Let the clerk know you want to return the items for a cash refund.
4. Macy’s will issue you a cash refund for the returned items purchased with your gift card.
5. Take the cash to the register and use it to make an in-store payment on your Macy’s credit card account.

This allows you to convert your Macy’s gift card into usable cash to pay your bill, while following all policies. It just takes some extra effort!

Using a Third-Party Gift Card to Pay Your Bill

If you have a Visa, Mastercard, or American Express branded gift card from another merchant, you can use it to buy merchandise at Macy’s, then return items for a Macy’s gift card to pay your bill. Here are the steps:

1. Shop at Macy’s and pay with your third-party gift card (Visa, Amex, etc). Keep the receipt.
2. Return the unopened items and request a Macy’s merchandise credit instead of cash.
3. Use the Macy’s merchandise credit to re-purchase small, easily returnable items.
4. Return those items for a cash refund, which you can then use to pay your Macy’s credit card bill in-store.

Again, it requires some extra effort, but allows you to use other gift cards from anywhere to ultimately pay down your Macy’s card.

Making an In-Store Payment on Your Credit Card

Once you have the cash refund from returning merchandise purchased with a gift card, here is how to pay your credit card bill in a Macy’s store:

• Take your cash refund to any register in the store. Let the clerk know you want to make a credit card payment.
• Provide your Macy’s credit card account number and the payment amount.
• The clerk will process the transaction and provide a receipt showing the payment you made towards your credit card balance.
• Payments go towards your account balance within 1-2 business days.

You can pay any amount up to your full balance due using this in-store cash payment method. It’s quick and easy once you have the cash in hand.

Convenience of Online Payments

While the gift card cash refund process works for in-store payments, it’s often more convenient to pay your Macy’s credit card bill online. You can pay online using a linked bank account (checking or savings) or a debit card. Here’s how:

• Sign in to your account on macys.com
• Under My Account, select My Credit Card
• Choose Make a Payment
• Enter your payment details and submit

Online payments via bank transfer or debit card go towards your balance within 2-3 business days. I recommend setting up automatic payments from your checking account so your bill gets paid on time every month without any effort.

Avoiding Late Fees and Interest Charges

The key reason you want to pay your Macy’s credit card bill on time is to avoid late fees and high interest charges. Macy’s charges late fees up to $40 for overdue payments. Plus, interest rates on purchases are 26.24%-27.24% – very expensive!

That’s why it makes financial sense to use your Macy’s and third-party gift cards to pay your bill on time if needed. A little extra effort goes a long way towards avoiding expensive credit card penalties.

Customer Service for Payment Questions

If you have any problems using the gift card strategies to pay your Macy’s credit card bill, contact customer service for assistance:

• By phone: 1-800-289-6229
• Online chat: macys.com and select Chat
• Support articles: macys.com/customer-service

The Macy’s customer service team can explain payment policies, help with your account, or resolve any issues that arise. Don’t hesitate to reach out.