How to Pay Your Tiffany & Co. Credit Card Bill Online or by Phone

The Tiffany & Co credit card provides financing options and perks for loyal customers But you need to pay your bill on time each month to avoid fees and interest charges. This guide covers the various ways to pay your Tiffany credit card bill conveniently online, over the phone, by mail or in a Tiffany store.

Why Paying On Time Matters

There are penalties if you don’t make at least the minimum payment by the due date:

• Late Fee – Up to $40 for overdue payments.
• Interest – Any unpaid balance accrues interest around 28% APR.
• Credit Score Damage – Missed payments get reported to credit bureaus.

Paying late also causes interest to compound and the total balance to grow. Establishing responsible payment habits now helps maintain good credit.

Payment Due Date

Tiffany credit card statements close on the 16th of each month, The payment is then due on the 12th of the following month

Say, a bill that ends on April 16th will have a payment due date of May 12th.

Check your online account anytime to view your next bill’s due date. Mark your calendars to avoid forgetting.

Minimum Payment Amount

If you can’t pay the full balance, at least pay the minimum amount by the due date. The minimum payment equals:

• $29 or 2.5% of balance (whichever is greater)
• Any unpaid minimum payments from previous months
• Any overlimit or past due amounts

Making only minimums results in costly interest accumulation over time

How Tiffany Applies Payments

When you make a payment, Tiffany applies the money in this order:

1. Fees like late charges
2. Interest charges
3. Transactions with the lowest interest rates first

Higher rate purchases stay on the balance longer accruing more interest. Paying more than the minimum helps pay down your actual charges faster.

Ways to Pay Your Tiffany Credit Card

You have several options to pay your Tiffany credit card bill conveniently:

• Online – Login to your account and schedule electronic payments.
• Auto-Pay – Set up recurring automatic payments from your bank account.
• Mobile App – Use the Tiffany app to pay instantly online.
• By Phone – Call the number on your bill and pay with a service agent.
• By Mail – Send a check or money order to the payment address.
• In a Tiffany Store – Make payments at any Tiffany retail location.

For fastest processing, pay online, through the mobile app, or with auto-pay. Mailed payments take longer to post.

Pay the Current Balance in Full

To avoid interest charges, pay your full current balance by the due date each month. The current balance includes your most recent statement balance plus any new transactions.

If you paid in full last month but made new charges, your current balance will exceed your statement balance. Pay the full current balance shown on your bill or online.

What If You Can’t Pay in Full?

If you can’t pay off the entire balance this month, take these steps:

• Pay at least the minimum to avoid late fees.
• Pay as much extra as possible to minimize interest.
• Avoid further charges until the balance is paid down.
• Contact Tiffany to check hardship options.
• Review your budget and see where you can cut back to pay more.

Carrying a credit card balance long term leads to expensive interest fees over time.

Submitting Your Payment

When you submit a payment, provide:

• Your 16 digit Tiffany credit card account number
• Payment amount
• Billing address tied to the account
• Bank details if paying electronically

Keep the confirmation or confirmation number as proof of payment. Log in to verify the payment posted properly.

Weekend/Holiday Due Dates

If your bill’s due date falls on a weekend or holiday when banks are closed, Tiffany extends the due date to the next business day.

So you actually have until Tuesday if your normal due date is Sunday or Monday. Check statements for details.

Automatic Payment Options

Setting up recurring monthly deductions from your checking account to pay the full or minimum balance makes life easier:

• Saves time writing and mailing checks.
• Avoids late fees from forgetting.
• Option to pay statement balance in full monthly.
• Can modify or cancel auto-pay anytime.

To enroll in auto-pay, login online or call customer service. Provide your bank details.

Account Showing Unpaid After Payment

When you submit a payment, it takes a few days to post to your account. As long as you have confirmation Tiffany received the payment, it will credit properly soon. The balance online may not reflect the payment right away – no need to resend it.

Paying with a Different Card?

Yes, you can pay your Tiffany credit card bill using a separate Visa, Mastercard, Discover or American Express card if desired. Just provide the other card’s information when paying online, via the mobile app or by phone.

Get Email/Text Alerts

Set up free account alerts to notify you when:

• Your monthly statement is ready
• Your payment due date is approaching
• Your payment confirmation
• Your balance is getting high

Customize alerts on your account to stay informed about due dates, payments and balances.

Avoiding Late Fees

If it looks like your payment may be late, take these steps to try avoiding a late fee:

• Call Tiffany as soon as possible and ask them to waive the late fee.
• Set up auto-pay payments to avoid future lateness.
• Consider changing your due date if it rarely aligns well with your pay schedule.

If you already paid late, call and politely request a one-time waiver or refund of the late fee due to financial hardship.

COVID-19 Payment Changes

During the coronavirus pandemic, Tiffany made temporary account changes:

• Auto-pay payments could be skipped without penalty.
• Late fees were waived in many cases.
• Lower minimum payments temporarily.
• Extended payment due dates if requested.

Call for any pandemic-related billing issues. Policies are evolving.

Benefits of Paying with Your Tiffany Card

There are some nice perks to maximizing your Tiffany credit card payments:

• Earn 5 points per $1 spent when using your Tiffany card.
• Special cardholder-only offers like 15% off purchases.
• Free 2 day shipping on $150+ orders when using your Tiffany card.

Just be sure to pay off the charges right away so interest doesn’t accrue! Making payments on time lets you take advantage of rewards.

Is Overpaying Your Balance Possible?

Can you pay too much toward your credit card bill? It’s rare, but can happen if:

• You pay your statement balance before new charges post.
• Those new transactions put your balance over the limit.
• Your payment + new charges exceed your limit and trigger overlimit fees.

To avoid this, simply pay the current balance instead of statement balance when you have pending charges about to hit.

International Payment Options

If traveling overseas and need to pay your Tiffany bill, here are some options:

• Pay online if you have internet access.
• Use your Tiffany mobile app which works globally.
• Set up auto-pay before leaving so payments continue automatically.
• Call customer service and pay with a debit card or PayPal account.
• Visit a local bank to make a payment/wire transfer.

Let Tiffany know before traveling internationally to prevent account disruption.

Making Payments on a Deceased Account Holder’s Account

If the primary account holder on a Tiffany credit card passes away, here is how to handle the remaining account balance:

• The executor of the estate can continue making payments.
• Contact Tiffany and provide documentation to close the account.
• Outstanding balances may need to go through probate court.
• Accounts are sometimes discharged by creditors when presenting a death certificate.

Consult an attorney on financial matters when settling an estate after someone dies. Don’t let unpaid debts go to collections agencies.

Getting Account Support