Macy’s is an American department store company. Although it competes with must-have companies such as Walmart or Target, the retailer has been noted for having the “world’s largest store” since 1924. It currently competes with London’s Harrods, thanks to its incredible size.
With more than 800 locations throughout the United States, Macy’s has thousands of customers who buy its products over its competitors; they reward them with American Express credit cards to buy more and get financing on their payments. However, those who already have a Macy’s credit card can cancel it.
If you are a frequent consumer and want to cancel your credit card, here’s how to do it.
Before canceling the Macy’s card
Before starting the process, you must comply with certain prior requirements. For this reason, we will tell you what the initial steps are in the following lines:
Pay your remaining balance
To cancel an American Express credit card, you must pay off your debt. The platform will not allow you to close it without paying your balance. You must transfer the full amount. Here’s how to pay online:
- Log in to the Macy’s website with this link https://customerservice-macys.com/
- Log in using your username and password
- In the menu, click on “My account.”
- If you have already added your credit card, select it; click on “Add Macy’s card“, fill in the information, and save it.
- Select the card you have added and click on the “Make payment” button.
- Complete the requested data and make sure you cover the total amount of your debt.
- Click on “Continue” and verify all the registered information.
- When you have certified the information, click on “Authorize.”
Once you have completed these steps, you will have paid off your debt. You can also pay by phone at 1-888-257-6757, email, or personal payment, but this is the fastest and most effective way to pay the amount due.
Stop automatic scheduled payments
After paying your debt, log in to your online account and make sure to cancel the automatic payments scheduled from the platform. If you don’t know how to do this, you can call the number on your credit card and ask an operator for help. Even if the credit card is canceled, these payments may continue to be made and generate delinquencies.
Use accumulated rewards
It’s not all about payments; you can also take advantage of accumulated rewards. This card has a cashback percentage that you can claim or redeem points for in-store purchases. Check to see if you have rewards in your favor and use them.
How can I cancel my Macy’s credit card?
Customers have many reasons to get a Macy’s credit card. One of them is getting a cashback of 5% of your total purchase. The card has other benefits that, depending on annual spending, invite consumers to apply and enjoy these advantages.
Although the American Express credit card is considered one of the most popular department store credit cards and is also the easiest to process, having one is not always a sound financial investment. If you have reasons to cancel, we’ve put together a guide of steps to follow:
Step one: Call customer service
When you have completed all of the above steps, you can cancel your card. Macy’s offers its customers to do this through a phone call. Call the number on the back of your credit card 1-888-257-6757 and when a customer service operator answers the phone, let them know you want to cancel your card.
Have your account number, credit card, social security number, and identification document ready to carry out this process. All this information will help the operator verify your identity and cancel the card later.
Step two: Follow up on your account
After canceling the card, we recommend that you monitor your account for the next three months. This way, you can ensure that you will have no future charges and that your account remains at zero. If you have authorized users, you should also notify them.
Destroy the card and delete all the data you had to secure your account: users, passwords, etc.
How to cancel Macy’s credit card of a deceased family member?
One of the most important aspects, when a person dies is to protect their financial status because if they have or create new debts, the immediate family members will have to assume them. If a family member dies, you can cancel their credit card:
Step One: Gather the documents
To go through this procedure, you need to collect all the documents of the deceased relative: card, personal documents, account numbers, username and password, and so on. It would be best if you also had the death certificate at hand.
Step two: Call the customer service department
Call the number on the back of the credit card 1-888-257-6757 and inform the operator of the cardholder’s death and your intentions to cancel the credit card. The operator will refer you to a department that handles these cases.
Whoever handles the case will likely ask for the documents sent by e-mail, including the death certificate. They will also request your information, and depending on your ties to the deceased, they may ask for authorizations allowing you to act on their behalf.
Step three: Pay the debt
The person making the application does not need to pay the debt out of their own money. The money must come from the deceased’s estate; it is up to the lender to indicate the defined estates to pay off the debt.
Keep an ongoing review for the next 90 days with a personal account. In this way, make sure that no new charges will be added. Finally, destroy the card and all documentation that could be used and put the account at risk.