Chip Lupo, Credit Card Writer
Yes, the Macy's Credit Card does have a late fee of up to $40, which applies when cardholders don't make the minimum payment by the due date. The late fee for Macy's Credit Card is $29, and it will increase to $40 for subsequent late payments within 6 months. After 6 months of consecutive payments since your last missed due date, the late fee will reset to $29. Thanks to the CARD Act of 2009, the Department Stores National Bank late fee can never exceed the minimum payment amount.
If you accidentally make less than the required minimum payment or you miss your Macy's Credit Card due date entirely, you can always ask customer service to waive the late fee by calling 1 (888) 257-6757. This is much more likely to work if you have a great payment history with Department Stores National Bank, but even if not, there's no harm in asking.
To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.
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