How to Pay Your Michaels Credit Card Bill: Answers to 9 Common Questions

Michaels credit card brings a lot of convenience to their customers while using their credit cards for payments. If you are registered online, the system allows you to use an array of options for internet banking. You could opt in for bill payments, money transfers, statement generation, quick loan applications, etc through their Internet banking facility. To learn how to pay Michaels credit card bill, follow the instructions provided below.

How to pay Michaels credit card bill?

Various Michaels credit card payment options are,  

1. Online Website – You can pay Michaels credit card quickly online by logging into their web application system here . Select your card and make the payment towards your Michaels credit card bill. 

2. Mobile Application – You could also use Michaels mobile application to make your credit card payment. 

3. By phone, dial their customer support number 1-800-304-3102 (TDD/TTY: 1-888-819-1918). You would be asked a few security questions while following the commands and credit card information to make your Michaels credit card payment through phone.  

4. Mail – You could pay off your credit due by sending the money order to the below address(before the due date)

Comenity Capital Bank PO Box 650113 Dallas, TX 75265-0113. 

5. Email – In case all the above ways to pay your Michaels credit card payment fail, you could also reach out to their team at customercare@michaels.com to get further direction toward your payment. 

Make sure you don’t share any sensitive information with the customer support representatives through phone/ email. 

How does Michaels credit card work?

Michaels credit card is issued by Comenity Capital Bank also known as Comenity Michaels Credit Card can be used to pay your bills at Michaels store. While the customers widely accepted the credit due to its appealing rewards program, the card also experienced its fair share of criticism due to its higher APR %. 

How to use Michaels credit card to build credit?

Michaels credit card is fundamentally just like any other credit card topped with attractive offers. The basic rule of owning any credit card says to pay back your credit dues timely to increase your credit score, 

An older credit account means a better credit score –

Most people own multiple credit cards just to improve their credit scores. An older credit account shows your ability to be consistent in paying your credit dues leading to improved credit scores. 

Smart use of Michaels credit card could also build your credit – 

Owning a credit card and using it enough just to claim reward programs should be sufficient to keep your credit account afloat for a better credit score. 

Avoiding unnecessarily closing Michaels credit card – 

Though you could easily close Michaels credit card online by logging into their system, but it could dent your credit score. When you close your credit account, your total credit limit falls elevating your credit utilization ratio and thereby affecting your credit score. 

How to pay your Michaels credit card with bad credit ?

Avoid late payments so as not to hurt your credit score –

Once you own a Michaels credit card the first rule of thumb is never to get a late payment flagged on your account. This could only make your credit score worse. 

Paying your credit in bits – 

A regular scheduled payment of your dues can only improve your bad credit. For example – If you took a credit of $300 for a month, make sure you configure your payments in bits i.e. repaying $100 every 10 days. By doing this, your consistency will show up on your credit report improving your bad credit. 

Rise in Credit limit is a good sign – 

Paying your Michaels credit card bill on time can help improve your credit score, and a credit limit increase is a positive sign that your credit is on the mend.

How to use Michaels credit card for a gift card? 

Micheals gift cards can be found at their stores or online. 

Michaels policy says you could use Michaels credit card, cash, or debit card to purchase their gift cards but we researched further and found there have been cases where customers were refused the use of their Michaels credit card and instead were asked to pay cash for purchasing Michaels gift cards at select stores. 

Frequently Asked Questions | FAQs

How to apply for a Michaels credit card? 

At Michaels store counter –

As a part of smart selling their credit cards, you would often hear the cashiers at Michaels store say “You could save an additional 20% on your bill by applying for a Michaels credit card”. So you fill up the form and phone number on the counter and the company ships you the card to your address. 

Michaels credit card Online application–

You could also create a Michaels online account, enroll in their rewards program, and apply for a Michaels credit card online.

Can I use my Michaels store credit card anywhere? 

The Michaels credit card is specifically tied to their business and can only be used for purchases at Michaels stores.. So Michaels does have a store credit Michaels card which could be used at Michaels store (except https://enterprise.michaels.com/, education.michaels.com michaelscustomframing.com; michaelsphotogifts.com; and https://merchant.sgiftcard.com/chrome/michaels) but not anywhere else. 

Does Michaels accept Apple Pay? 

Yes, Michaels accepts Apple Pay in their stores. 

Does Michaels accept PayPal? 

While PayPal is accepted for online purchases on their website, it may not be an option for in-store payments. For the most accurate information, check directly with the store or visit their website.

Conclusion – 

More information on Michaels credit card review 

https://www.youtube.com/watch?v=n_jZujkTldk