A few months ago, after making a small (approximately $25) purchase on my Macy’s credit card, I received the bill, the payment for which was due on the 26th. I paid it through my Bank of America account on the 21st. When I received the next month’s bill, it did not show that the previous month’s amount had been paid and included a late fee of $30. I called customer service–Macy’s cards apparently are now serviced by Citi Cards–and was told my payment was received on the 27th, a day after the due date. They agreed to remove the late charge.
The next time I received a Macy’s bill, I paid it in full just about immediately, around the 10th of the month. I was surprised when I received a bill for $2. I called and was told that interest starts accruing on the day the bill is sent out. I told them I had never heard of being charged interest when the bill has been paid in full. They agreed to remove the $2 fee.
The next time I received a bill from Macy’s, I paid it through the bank on the 15th. It was due on the 26th. The next bill did not reflect my payment and contained a late charge of $30. I called and was told my payment had arrived on the 27th, again 1 day after it was due. I found it a bit of a coincidence that the payment again arrived 1 day after it was due, which was 12 days after I had paid it through the bank. They agreed to remove the late fee but “warned” me they would not remove a late fee again.
I do not know for sure that any dishonesty has taken place on the part of Macy’s/Citi Cards, but enough has happened to prompt a decision not to use my Macy’s care again.