When I logged on to my Macy 's account I paid the balance in full but had made a purchase that did n't reflect on my loan balance at the time of pay-off. I called the creditor and I asked them why did n't I receive a statement or a courtesy call and if they would remove the 30 day late off my account as I 'm in the process of buying a new home. I was told my statements went to an email account that I have n't had in 8 years. I asked what their process was when the statement is rejected by the address and was told nothing. I believe they need to update their system to show all outstanding balances and have a better process to notify their card holders of any returned electronic statements. This is very disappointing news as my mortgage rate will now go from a 4 % to a 4.875, I have since cancelled my credit card with Macy 's. 
