Where to send your Dick's Sporting Goods credit card payment
Your Dick's Sporting Goods credit card is issued by Synchrony Bank, which means Synchrony handles all payments, account management, and customer service for the card. When you make a payment, you are paying Synchrony, not Dick's Sporting Goods directly. Synchrony processes the payment and credits it to your account.
You can pay your bill through several methods: online through your Synchrony account, by phone, by mail, or through automatic payments set up in advance. Each method has different processing times and requirements, so the route you choose depends on when you need the payment to post and how you prefer to manage your account.
Key Takeaways
- Synchrony Bank issues and manages your Dick's Sporting Goods credit card, so all payments go to Synchrony, not to Dick's.
- Online payments through your Synchrony account typically post within one business day, making this the fastest option for urgent payments.
- Mailed payments require at least seven to ten business days to post, so send them well before your due date to avoid late fees.
- Automatic payments can be set up through your Synchrony account to pay a fixed amount or your full balance on a date you choose each month.
- Your payment address, account number, and due date appear on your monthly statement or in your online account.
Paying online through your Synchrony account
The fastest way to pay is through the Synchrony website or mobile app. Log in with your username and password, navigate to the payments section, and enter the amount you want to pay. You can pay from a checking or savings account (which takes one business day to post) or use a debit card (which posts the same day). Synchrony does not charge a fee for online payments made from a bank account, though debit card payments may carry a small fee depending on your account type.
If you do not have an online account set up yet, you can create one at Synchrony's website using your card number and Social Security number. Once your account is active, you can pay anytime, check your balance, view your statement, and manage your account settings. This method gives you the most control and the fastest confirmation that your payment was received.
Paying by phone with Synchrony customer service
You can call Synchrony's customer service line to make a payment over the phone. The phone number is on the back of your credit card and on your monthly statement. Have your card number, bank account information (if paying from checking or savings), or debit card details ready. A representative will process your payment and give you a confirmation number immediately.
Phone payments from a bank account typically post within one business day. Debit card payments may post the same day. There is no fee for paying by phone, but this method requires you to speak with a representative during business hours, which may not be convenient if you need to pay outside normal times.
Mailing a check or money order to Synchrony
If you prefer to pay by mail, write a check or money order payable to Synchrony Bank. Include your account number on the check. The mailing address for payments is on your monthly statement—do not use the address on the back of your card, as that may be a different location. Mail your payment at least ten business days before your due date to ensure it posts on time and you avoid a late fee.
Mailed payments typically take seven to ten business days to reach Synchrony and post to your account. If your payment arrives after the due date, Synchrony will assess a late fee even if you mailed it on time. For this reason, mailing is best used for routine payments when you have time to spare, not for payments that are already close to the due date.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your Synchrony account, go to the payments or account settings section, and select "Set up automatic payment." You can choose to pay a fixed amount each month, pay your full statement balance, or pay only the minimum due. Select the date each month when you want the payment to be withdrawn from your bank account.
Automatic payments are deducted from your checking or savings account and typically post within one business day of the scheduled date. You can change or cancel an automatic payment anytime through your account, and Synchrony will send you a confirmation each time a payment is processed. This method works well if your payment amount is consistent or if you want to ensure you never miss a due date.
What to do if you cannot pay by your due date
If you know you will not be able to pay by the due date, contact Synchrony as soon as possible. Call the number on your statement or log into your account to see if options are available. Synchrony may be able to extend your due date or work out a payment arrangement, though this depends on your account history and the reason for the delay. Waiting until after the due date has passed makes it harder to avoid a late fee.
Late payments damage your credit score and trigger fees, so it is better to call ahead and discuss options than to miss the deadline. If you have already missed a payment, paying as soon as possible will stop additional fees from accumulating, though the late payment will remain on your credit report for seven years.
Understanding your statement and payment details
Your monthly statement shows your current balance, minimum payment due, full statement balance, and due date. It also lists the mailing address for payments and your account number. Your statement is mailed to you each month and is also available in your online Synchrony account. Review your statement carefully to confirm the amount you owe and the date by which payment must arrive.
Your payment posting date may differ from your payment due date. A payment is considered on time if it is received by Synchrony by the due date, not if you send it by that date. This is why mailed payments need extra time—you must account for mail delivery when deciding when to send a check.
Frequently Asked Questions
How long does it take for an online payment to show up on my account?
Payments from a bank account typically post within one business day. Debit card payments may post the same day. Once posted, the payment reduces your balance immediately and counts as on-time if it arrives by your due date.
What happens if I pay after my due date?
Synchrony will charge a late fee and report the late payment to credit bureaus, which will lower your credit score. The late payment stays on your credit report for seven years. Pay as soon as possible to stop additional fees from being added.
Can I pay my Dick's Sporting Goods credit card at a Dick's store?
No. Dick's Sporting Goods stores do not process payments for the credit card. You must pay through Synchrony Bank using one of the methods described above: online, by phone, by mail, or through automatic payment.
Is there a fee for paying my Synchrony credit card online?
No fee is charged for online payments made from a checking or savings account. Some account types may charge a small fee for debit card payments. Check your account terms or call Synchrony to confirm whether your account has any payment fees.
What if I want to change my automatic payment amount or date?
Log into your Synchrony account, go to the automatic payments section, and update the amount or date. Changes take effect on your next scheduled payment. You can also cancel automatic payments anytime through your account without penalty.