Where and how to pay your Dillard's credit card
You can pay your Dillard's credit card bill online through your account at Dillards.com, by phone at the customer service number on your statement, by mail to the address listed on your bill, or in person at any Dillard's store. The online method is fastest — you log in, select the payment option, enter the amount, and the payment posts within one to two business days. Phone payments work the same way and take the same time.
If you pay by mail, allow at least 10 business days for the payment to reach and post to your account. In-store payments are processed immediately but only at the register during regular store hours. Your payment due date appears on your monthly statement, and paying by that date keeps you current and avoids late fees.
Key Takeaways
- Online and phone payments post within one to two business days, while mail payments need 10 business days to arrive and process.
- You can pay any amount from the minimum due to your full balance, and payments apply to your account the same day they are received by Dillard's.
- Late payments trigger a fee and can raise your interest rate, so paying by your due date matters even if you cannot pay the full balance.
- Setting up automatic payments through your online account prevents missed due dates and keeps your account in good standing.
Paying online through your Dillard's account
Log into your account at Dillards.com using your username and password. Navigate to the "Manage Account" or "Payments" section — the exact name varies slightly depending on whether you are on desktop or mobile. Select "Make a Payment," enter the dollar amount you want to pay, and choose your payment method (debit card, bank account, or credit card).
Review the payment details before confirming. Dillard's will show you the payment date it expects to post. Once you submit, you receive a confirmation number — save this for your records. The payment typically posts within one to two business days, though it may show as "pending" for 24 hours before it fully clears.
Paying by phone or automatic payments
Call the number on the back of your Dillard's credit card or on your statement. A representative will ask for your account number, the amount you want to pay, and your payment method. Phone payments process the same way as online payments and post within one to two business days.
To set up automatic payments, log into your online account and look for "Autopay" or "Automatic Payments." You choose the amount (minimum due, full statement balance, or a fixed dollar amount), the due date, and your payment method. Automatic payments remove the risk of forgetting a due date and help you avoid late fees. You can change or cancel automatic payments anytime through your account.
Paying by mail or at a store
To pay by mail, write a check or money order for the amount due and mail it to the address shown on your statement. Include your account number on the check. Mail payments take 10 business days or longer to arrive and process, so send your payment well before your due date if you choose this method.
You can also pay in person at any Dillard's store during regular business hours. Go to the customer service desk or register and tell them you want to make a credit card payment. Bring your card or account number and the payment amount in cash, check, or debit card. In-store payments post immediately to your account.
What happens if you miss a payment
If your payment does not arrive by the due date, Dillard's charges a late fee — the amount depends on your account terms but typically ranges from $25 to $40. A late payment also appears on your credit report and can raise your interest rate, sometimes significantly. Even a single missed payment can damage your credit score.
If you know you will miss a due date, contact Dillard's customer service before the date passes. Some accounts have hardship programs or temporary payment arrangements. Paying as soon as possible after a missed due date limits the damage, though the late fee and rate increase may still apply.
Understanding your statement and minimum payment
Your Dillard's statement shows your current balance, minimum payment due, and due date. The minimum payment is usually 1 to 3 percent of your balance — paying only the minimum means you carry the rest forward and pay interest on it. Paying more than the minimum reduces the total interest you pay and gets you out of debt faster.
If you have a promotional 0% interest period, paying only the minimum still works during that period, but once the promotion ends, interest kicks in on any remaining balance. Paying the full statement balance each month avoids interest entirely and keeps your credit utilization low, which helps your credit score.
Frequently Asked Questions
How long does it take for a payment to show up on my account?
Online and phone payments post within one to two business days. Mail payments take 10 business days or longer. In-store payments post immediately. If your payment shows as "pending," it will clear within 24 hours.
Can I pay my Dillard's card with a different credit card?
Yes, you can use another credit card to pay online or by phone. However, doing this regularly is not recommended because you are moving debt from one card to another and may pay cash advance fees or higher interest rates.
What if I pay more than I owe?
The overpayment becomes a credit on your account. You can use it toward future purchases, or contact customer service to request a refund. Some accounts allow you to carry a credit balance indefinitely, while others may refund it automatically.
Is there a fee for paying online or by phone?
No, Dillard's does not charge a fee for online or phone payments. Mail and in-store payments are also free. The only charge you face is a late fee if your payment misses the due date.
Can I change my due date?
Contact Dillard's customer service to ask about changing your due date. Many issuers allow you to move your due date by a few days to match your pay schedule, which can help you avoid missed payments.