Call Macy's customer service to cancel, or request cancellation in writing

The fastest way to cancel a Macy's credit card is to call Macy's customer service at the number on the back of your card. Have your card number and account information ready. Tell them you want to close the account. They will confirm your identity, process the cancellation, and send you written confirmation in the mail within a few days.

If you prefer not to call, you can send a written request to Macy's. Write a letter stating your name, account number, and request to close the card. Mail it to the address listed on your statement or the back of your card. Written requests take longer — usually two to three weeks — but create a paper trail if you need proof of cancellation later.

Do not straightforward stop using the card and assume the account closes on its own. Inactive accounts can remain open indefinitely, which affects your credit report and leaves the account vulnerable to fraud.

Key Takeaways

  • Call the number on the back of your Macy's card to cancel when ready; have your card number and ID ready.
  • Pay off any remaining balance before or at the time of cancellation to avoid interest charges.
  • Request written confirmation of cancellation and keep it with your records for at least one year.
  • Canceling a card may lower your credit score temporarily because it reduces your available credit, but the effect usually fades within a few months.
  • If you have a Macy's store card and a Macy's Mastercard, you must cancel each one separately.

Pay off your balance before you cancel

Before you call to cancel, pay down or pay off any balance on the card. If you cancel with an outstanding balance, you will still owe the money and interest will continue to accrue at the card's regular rate until the balance reaches zero.

Some people cancel and then make payments on the closed account. This works, but it is simpler to clear the balance first. If you have a small balance and want to cancel when ready, you can pay it off over the phone during the same call, or ask the representative how to make a final payment after cancellation.

Understand the credit score impact

Canceling a credit card lowers your credit score in the short term because it reduces the total amount of credit available to you. This change is called a decrease in your credit limit. The impact is usually small — often five to ten points — and temporary. Your score typically recovers within three to six months as long as you pay other accounts on time.

The longer-term effect depends on how old the account is. Closing an old account can hurt your score more than closing a new one, because age of accounts matters to credit scoring. If the Macy's card is one of your oldest accounts, consider keeping it open but unused instead of canceling it.

What to do after cancellation

After you cancel, watch your credit report for the next 30 to 60 days to confirm the account shows as closed. You can check your credit report for free once per year at annualcreditreport.com. The three major credit bureaus are Equifax, Experian, and TransUnion. If the account does not show as closed after two months, contact Macy's again with your confirmation number.

Destroy the physical card once you receive confirmation that the account is closed. Cut it up or shred it rather than throwing it away whole. If you have autopay set up on the card for any recurring charges, update those payments to a different card or account before you cancel.

Macy's store card versus Macy's Mastercard

Macy's offers two different credit cards: the Macy's store card (which works only at Macy's) and the Macy's Mastercard (which works anywhere Mastercard is accepted). If you have both, you must cancel each one separately. Canceling one does not close the other.

To find out which card or cards you have, check the front of your card. The store card says "Macy's" only. The Mastercard displays the Mastercard logo and says "Macy's Mastercard". Call the number on the back of each card you want to close.

If you cannot reach customer service

If you have trouble reaching Macy's by phone, try contacting them through their website. Visit macys.com and look for a "Contact Us" link, usually at the bottom of the page. You can often send a message through their online form or start a chat with a representative.

You can also write to Macy's corporate office. Send your cancellation request to the address on your statement. Include your full name, account number, card number, and a clear statement that you want the account closed. Keep a copy for your records and consider sending it via certified mail so you have proof of delivery.

Frequently Asked Questions

Will canceling my Macy's card hurt my credit score?

Yes, but usually only slightly and temporarily. Your score may drop five to ten points when ready because your available credit decreases. The impact fades within three to six months. If the card is very old, the long-term effect may be larger because closing old accounts can lower the average age of your credit history.

Can I cancel my Macy's card if I still owe money on it?

Yes, you can cancel with an outstanding balance. You will still owe the money and interest will continue to accrue. It is simpler to pay off the balance first, but you can also pay it down after cancellation. Ask the representative for the mailing address to send payments to a closed account.

How long does it take to cancel a Macy's credit card?

Cancellation is when ready when you call. The account closes right away, though written confirmation arrives in the mail within a few days. If you cancel by mail, the process takes two to three weeks. Check your credit report after 30 to 60 days to confirm the account shows as closed.

What happens to my rewards points when I cancel?

Macy's typically lets you use rewards points for 90 days after cancellation. Use them before that window closes or they may be forfeited. Ask the representative about your remaining points balance and how to redeem them during the cancellation call.

Do I need to cancel in writing, or is a phone call enough?

A phone call is enough to cancel. However, requesting written confirmation gives you proof of cancellation if there is ever a dispute. You can ask for confirmation during the phone call, and Macy's will mail it to you. Keeping this confirmation for one year is a good practice.