How to Pay Your Saks Fifth Avenue Credit Card Bill
Where and how to send your Saks Fifth Avenue card payment
You can pay your Saks Fifth Avenue credit card bill online through your cardholder account, by phone, by mail, or in person at a Saks store. The online method is fastest and shows your payment immediately. Phone payments go through the same day if you call before the payment deadline. Mail and in-store payments take longer to post to your account, so plan ahead if your due date is near.
To pay online, log into your Saks Fifth Avenue credit card account at the cardholder portal. You will need your card number and the password you set up when you registered. From there, you can make a one-time payment or set up automatic payments that deduct from your bank account each month on a date you choose.
To pay by phone, call the customer service number on the back of your card. A representative will ask for your card number, the amount you want to pay, and your bank account or debit card information. Payments made by phone before 8 p.m. Eastern Time on your due date typically post the same day.
Key Takeaways
- Online and phone payments post to your account the same day or next business day, while mail payments can take five to seven business days to reach the payment processor.
- Your payment due date appears on your monthly statement, and paying after that date triggers a late fee and may raise your interest rate.
- Automatic payments remove the risk of forgetting a due date, but you must have enough money in your bank account on the scheduled payment date.
- If you cannot pay the full balance, paying at least the minimum due by the deadline stops a late fee, though interest will continue to accrue on the unpaid balance.
Setting up automatic payments to avoid missed due dates
Automatic payments deduct money from your checking or savings account on a date you select each month. This removes the risk of forgetting a payment and triggering a late fee. You can set up automatic payments through your online cardholder account or by calling customer service.
When you set up automatic payments, you choose the amount: the full statement balance, the minimum payment, or a fixed dollar amount. If you choose the full balance, your payment will adjust each month based on what you owe. If you choose a fixed amount, make sure it covers at least your minimum payment, or you will still be late.
Check your bank account before the automatic payment date to make sure you have enough money. If your account does not have sufficient funds, the payment will fail and you may be charged an overdraft fee by your bank in addition to a late fee by Saks. Set a reminder a few days before the scheduled payment so you can transfer money if needed.
What happens if you pay late or miss a payment
A late payment is any payment that arrives after your due date. Saks will charge you a late fee, which typically ranges based on your account history and the amount you owe. Late fees are added to your balance and you will owe interest on them.
A missed payment also raises your interest rate, sometimes significantly. This higher rate applies to your entire balance, not just new purchases. The rate increase can last for six months or longer, depending on your card agreement and how late the payment was.
If you miss a payment, contact Saks customer service as soon as possible. Explain your situation and ask whether they can waive the late fee or reverse the interest rate increase. Some cardholders are successful in getting fees removed if they have a good payment history and this is their first late payment in years.
Understanding your minimum payment and statement balance
Your minimum payment is the smallest amount Saks will accept to keep your account in good standing. It typically covers interest charges plus a small portion of your principal balance. Paying only the minimum means you will carry a balance and pay interest for a long time.
Your statement balance is the total amount you owed on the day your billing cycle closed. This is the amount shown on your monthly statement. If you pay your full statement balance by the due date, you will not owe any interest on purchases made during that billing cycle.
Your current balance is different from your statement balance. It includes any purchases you made after your billing cycle closed, plus any fees or interest charged since then. If you pay only your statement balance, you will still owe interest on the current balance.
Payment methods and processing times
| Payment Method | How to Use It | Processing Time |
|---|---|---|
| Online account portal | Log in and select "Make a Payment" | Same day or next business day |
| Phone | Call customer service number on back of card | Same day if before 8 p.m. ET |
| Send check to address on statement | 5 to 7 business days | |
| In-store | Visit a Saks location with your card | 1 to 3 business days |
| Automatic bank draft | Set up through online account or phone | Same day or next business day |
Mail payments take the longest because your check must travel to the payment processor, be opened, and be deposited. If your due date is within five days, do not use mail. In-store payments are processed at the register but still take a few days to post to your account online.
When you make a payment, keep a record of the confirmation number or receipt. If a payment goes missing or fails to post, you will need proof that you sent it to dispute a late fee.
What to do if you cannot pay your full balance
If you cannot pay your full balance, pay at least your minimum payment by the due date. This stops a late fee and keeps your account in good standing. You will still owe interest on the unpaid balance, but you will not face the additional damage of a late payment to your credit history.
If you are struggling with credit card debt, contact Saks customer service and ask about hardship programs. Some card issuers offer temporary interest rate reductions or payment plans for cardholders facing financial difficulty. Saks may not have a formal program, but asking costs nothing and sometimes results in a lower rate or waived fee.
Another option is to transfer your balance to a different credit card with a lower interest rate or a promotional 0% introductory period. This does not erase what you owe, but it can slow how fast interest accumulates while you pay it down.
How to find your due date and payment address
Your due date appears at the top of your monthly statement, usually in bold. It is the date by which your payment must be received, not the date you send it. If your due date falls on a weekend or holiday, Saks will accept the payment on the next business day without charging a late fee.
The mailing address for payments is also printed on your statement. Do not send payment to the Saks store address or corporate office — use only the address listed on your bill. If you cannot find your statement, log into your online account and download a recent one, or call customer service to ask for the correct mailing address.
If you have changed your mailing address, update it in your online account or tell customer service. Payments sent to an old address may be delayed or lost, and you could be charged a late fee even though you sent the payment on time.
Frequently Asked Questions
Can I pay my Saks card with a different credit card?
No, Saks does not accept credit card payments directly. You can pay only with money from a bank account (checking or savings), a debit card, or cash. Paying a credit card with another credit card through a third-party service counts as a cash advance and charges a high fee plus interest from day one.
What if I pay online but the payment does not show up?
Online payments usually post within 24 hours. If more than a day has passed and you do not see the payment in your account, log back in and check the payment status. If it shows as "pending," wait another day. If it shows as "failed," the payment did not go through — call customer service to find out why and make another payment immediately to avoid a late fee.
Do I have to pay the full balance to avoid interest?
Yes. Interest is charged on any balance you carry from one billing cycle to the next, no matter how small. If you pay your full statement balance by the due date, no interest is charged on those purchases. If you pay less than the full balance, interest accrues on the remaining amount.
Can I change my due date?
Many card issuers allow you to request a different due date through your online account or by calling customer service. Saks may offer this option, but availability depends on your account. Call the number on the back of your card to ask whether you can move your due date to a day that works better with your pay schedule.
What happens if I pay more than I owe?
If you send a payment larger than your current balance, the extra money becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund. Call customer service to ask for a refund if you prefer to have the money returned to your bank account.