How to pay your Dillard's credit card bill
You can pay your Dillard's credit card through several methods: online at the Dillard's website, by phone, by mail, or in person at any Dillard's store. The fastest way is online through your account at dillards.com — you'll log in, view your balance, and submit a payment in minutes. By phone, call the customer service number on the back of your card; a representative can process a payment over the phone using your bank account or another card. If you prefer mail, send a check or money order to the address printed on your monthly statement. In-store payments are also accepted at the customer service desk.
Your payment is due by the date shown on your statement, typically 21 to 25 days after your closing date. Paying on time avoids late fees and protects your credit score. If you miss the due date, you'll owe a late fee (the amount varies) and your interest rate may increase. Setting up automatic payments through your bank or the Dillard's website removes the risk of forgetting — you can arrange for a fixed amount or your full balance to pay each month.
Key Takeaways
- Online payment through dillards.com is the fastest option and shows your balance and due date immediately.
- Phone payments can be made by calling the number on your card, and the representative will guide you through the process.
- Late payments trigger a fee and may raise your interest rate, so paying by the due date printed on your statement matters for your credit.
- Automatic payments remove the risk of missing a due date and can be set up through your bank or the Dillard's website.
- Mail and in-store payments are slower options but work if you don't have online or phone access.
Paying online through your Dillard's account
Log in to dillards.com using your email address and password. Once logged in, look for "Account" or "My Account" in the top menu, then select "Billing" or "Payments." You'll see your current balance, minimum payment due, and the due date. Enter the amount you want to pay and choose your payment method — you can use the same card on file, a different card, or your bank account.
Online payments typically post within one business day, though some may take up to three days depending on your bank. If your payment is due soon, pay at least three business days before the due date to be safe. You'll receive a confirmation number immediately after submitting the payment; save this for your records.
Setting up automatic payments
Automatic payments mean you never have to remember a due date. Through the Dillard's website, go to your account settings and look for "Automatic Payments" or "Autopay." You can choose to pay your full statement balance each month, a fixed amount, or just the minimum payment. Select which day of the month works best for you — many people choose a few days after payday.
You can change or cancel automatic payments anytime through your account. If you set autopay for the full balance, your card will be paid in full each month, which means you'll pay no interest on purchases. If you choose a fixed amount or minimum payment, interest will accrue on the remaining balance.
Paying by phone or mail
To pay by phone, call the customer service number printed on the back of your Dillard's card. A representative will ask for your account number and the amount you want to pay, then guide you through entering your payment method. Phone payments are processed immediately, though they may take one to three business days to show in your account.
For mail payments, write a check or money order and include your account number on the back. Mail it to the address shown on your statement under "Payment Address" — do not send it to a store location. Mail payments take 7 to 10 business days to arrive and post, so send them at least two weeks before your due date. Always keep a copy of the check or a photo of the money order for your records.
What happens if you miss a payment
If your payment doesn't arrive by the due date, you'll owe a late fee. The amount depends on your card agreement, but late fees typically range from $25 to $40 for the first late payment. Your interest rate may also increase, sometimes significantly, if you're 30 or more days late. Late payments stay on your credit report for seven years and can lower your credit score.
If you realize you'll miss a due date, contact Dillard's customer service immediately. Some cardholders can negotiate a one-time waiver of the late fee, especially if it's your first missed payment. The sooner you call, the better your chances. After you're 30 days late, the damage to your credit score is already done, but paying as soon as possible stops additional penalties from building up.
Understanding your statement and balance
Your monthly statement shows your opening balance, all purchases and credits from the past month, interest charged, any fees, and your new balance. The "minimum payment due" is the smallest amount you can pay to stay current, but paying only the minimum means interest will accrue on the remaining balance. The "amount due" or "total balance" is what you owe in full.
Your statement also shows your credit limit — the maximum you can charge. If you reach your limit, new purchases will be declined. Keeping your balance below 30 percent of your credit limit helps your credit score. For example, if your limit is $1,000, try to keep your balance under $300.
Dillard's credit card interest and fees
The Dillard's credit card charges interest on any balance you carry from month to month. The interest rate (called the APR, or annual percentage rate) varies based on your creditworthiness and current market rates. You can find your APR on your statement or in your account online. If you pay your full balance each month by the due date, you'll owe no interest.
Beyond interest and late fees, you may owe other charges: a fee if you go over your credit limit, a fee for a returned payment, or a fee if your account goes to collections. These fees add up quickly, so paying on time and staying within your limit protects your wallet and your credit.
Frequently Asked Questions
Can I pay my Dillard's card at the store?
Yes. Go to the customer service desk at any Dillard's location and tell them you want to make a payment on your credit card. Bring your card or account number. In-store payments are processed the same day but may take one to three business days to show in your account online.
What if I pay more than I owe?
The extra amount becomes a credit on your account and will be applied to your next purchase or statement balance. You can also request a refund of the overpayment by calling customer service, though it may take several business days to process.
Is there a fee for paying online?
No. Dillard's does not charge a fee for online, phone, or in-store payments. Mail payments are free as well, though the postal service may charge if you use a money order.
How do I know if my payment went through?
You'll receive a confirmation number immediately after submitting an online or phone payment. Check your account online within one to three business days to confirm the payment posted. If it doesn't appear, contact customer service with your confirmation number.
Can I change my due date?
Contact Dillard's customer service to request a due date change. They can usually move your due date to a different day of the month, which can help if your paycheck arrives on a different schedule. Changes typically take effect on your next statement.