Saks Fifth Avenue Credit Card Customer Service — Expert Practical Guide

Overview: the card relationship and what customer service covers

The Saks Fifth Avenue credit product commonly used by shoppers is the store-branded “SaksFirst” (store card) program; historically the store card is issued and serviced by a third-party bank (Synchrony Bank is the traditional issuer for Saks store credit). Card customer service therefore splits responsibilities: Saks Fifth Avenue (merchant) manages returns, exchanges, rewards and in-store account activations, while the card issuer handles billing, payments, credit-line changes, APR, fraud investigations and credit reporting. Knowing which organization owns each function saves time when you call.

Customer service interactions span routine tasks (balance inquiries, payment posting, setting AutoPay) to higher‑risk issues (billing disputes under the Fair Credit Billing Act, fraud investigations, chargebacks). The merchant website—https://www.saksfifthavenue.com—hosts account-level tools for shopping and rewards; the issuer’s portal (look for the card issuer name on your statement) is where you enroll for e‑statements, set up payments and submit billing disputes formally.

How to contact and the best channels to use

Always use the phone number printed on the back of your credit card or the billing statement for account-specific service; these numbers link you to the account authentication process and speed resolution. If you do not have your card, use the contact links on the merchant site (Saks) and the issuer’s brand page—search for “Saks card customer service” on the issuer’s site or go to saksfifthavenue.com/account for account access. For in-person assistance, Saks Fifth Avenue’s flagship store is at 611 Fifth Avenue, New York, NY 10022, where store associates can often initiate returns or in-store account inquiries (they cannot resolve issuer billing disputes).

Use secure online messaging in your card account for documentation and timestamps. If you call, always ask for a reference number and the representative’s name and note the date/time. For suspected fraud or lost/stolen cards, request immediate card suspension and same-day replacement; most issuers will provide a temporary number for online purchases and same-week physical replacement by courier for premium cardholders.

Practical customer-service workflows: disputes, refunds, fraud

Billing disputes for unauthorized charges or charge errors should be submitted in writing when possible. Under the Fair Credit Billing Act (FCBA) the creditor must acknowledge a written billing error complaint within 30 days and resolve it within two billing cycles but not more than 90 days; use certified mail or the issuer’s secure message system to create an evidence trail. For returns: Saks typically processes a merchant refund when the item is received; the issuer will post a credit when the merchant issues the refund—expect 3–10 business days for the credit to appear depending on issuer processing.

For fraud, the issuer will usually place a fraud alert, reverse unauthorized transactions pending investigation and issue a new card number. If identity theft is involved, file a police report and complete the issuer’s fraud affidavit; keep copies. Also monitor credit reports—under federal rules, furnishers must investigate disputes and generally respond within 30 days under the Fair Credit Reporting Act (FCRA).

Costs, fees and credit implications — what to expect

Store charge cards historically carry higher APRs than bank-issued general-purpose cards; as a rule of thumb, store APRs commonly range in the low-to-high 20s percentage-wise (for example, 20–29% APR) depending on creditworthiness and the current market. Late fees on U.S. credit cards commonly max out at roughly $40 on many issuers; always check your cardmember agreement for exact fee tables, grace-period length (typically 21–25 days) and conditions for penalty APRs.

Payments and credit reporting affect your credit utilization and score: paying down a statement balance before statement closing reduces utilization that is reported to the credit bureaus. If you need a temporary increase to avoid maxing out during a large purchase (for example, a $2,000 shoe purchase or seasonal spending), request a one‑time credit limit increase in advance; expect a hard or soft credit pull—ask the rep which it will be to avoid surprises.

What to have ready when you call — make the call efficient

• Account details: full card number or last 4 digits, billing address exactly as on file, recent statement date and amount, and the date/amount of the transaction in question.
• Documentation: screenshots of online orders, receipts, tracking numbers for returned items, emails or chat transcripts with Saks sales associates, and any merchant return authorization (RMA) numbers.
• Identification and authentication: government ID (for in‑store disputes), account access passwords, and answers to security questions. For disputes, prepare a clear chronology (date ordered, date charged, return date, refund confirmation).

Escalation path and regulatory remedies

• Step 1 — Representative: log call reference number and request escalation if unresolved within the first call. Ask for a supervisor and a defined timeline (for example, “investigate and respond within 7 business days”).
• Step 2 — Formal written dispute: send a written dispute under FCBA to the address on your billing statement or use secure issuer messaging; retain proof of delivery. Expect an acknowledgement within 30 days and resolution within 90 days.
• Step 3 — Regulator complaint: if you cannot obtain a timely resolution, file a complaint with the Consumer Financial Protection Bureau (CFPB) at https://www.consumerfinance.gov/complaint/ and with the issuer’s state banking regulator; keep all documentation. For identity theft, file at https://www.identitytheft.gov.

Bottom line: efficient resolution of Saks Fifth Avenue credit card issues depends on contacting the correct party (merchant vs. issuer), documenting everything, and using written disputes when formal protection is needed. Keep copies of statements and correspondence for at least two years for billing disputes, and use the account and issuer portals (merchant: saksfifthavenue.com; issuer: the bank name on your statement) as your primary and fastest channels for account actions.

Is Saks still with Capital One?

Saks Credit Card is now at COMENITY (Bread Financial) and no longer at CAPITAL ONE.

What is the phone number for Saks credit card?

833-975-7257
For all credit card related concerns please contact Comenity Capital Bank by visiting comenity.net/Saks or by calling 833-975-7257 for Saks Credit Card and 833-677-7257 for Saks World Elite Mastercard (TDD/TTY (888) 819-1918).

How do I pay Saks Fifth Avenue credit card?

You can access your Saks credit card information at comenity.net/saks, and make payments online, by phone, by mail or in store.

Who took over Saks credit cards?

Capital One has sold their SaksFirst Credit Cards to Comenity Capital Bank–bread financial. I’ve been with Capital One for 12+ years and hate this!

What bank is Saks Fifth Avenue credit card?

Saks Credit Card Accounts are issued by Comenity Capital Bank. Saks World Elite Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated.

What’s the 1-800 number for Saks Fifth Avenue?

1-877-551-SAKS
Yes, you can call us from 6 a.m. to midnight EST, 7 days a week. Call us toll-free at 1-877-551-SAKS (7257) to place your order.