"i am working in macy's credit and customer service collections department and get asked this on a daily basis.basically, if you don't have an american checking account you have to options: 1. send out a money order2. make the payment in the storesince i'm guessing the second option is a little more out of reach, obviously stick to option one. but, make sure to look on the statement for your due date. in the states, we're always told incoming and outgoing payments/statements take 7-10 business days, and it takes longer for canada. so if you're less than 2 weeks away from your due date, call customer service, explain the situation, and see if they can hold the late charge for you. i usually do that for canadian customers."