Dillard's online bill pay lets you make payments to your Dillard's credit card account through the Dillard's website or mobile app without calling or visiting a store.
You log into your account, enter the payment amount, choose a payment date, and confirm. The payment posts to your account within one to two business days. You can pay in full, make a minimum payment, or choose any amount in between. Dillard's does not charge a fee for online payments made through their website or app.
This is different from paying through your bank's bill pay service, which sends a check and takes longer. Online payment through Dillard's is faster and gives you immediate confirmation of the transaction.
Key Takeaways
- Log into your Dillard's credit card account on the Dillard's website or open the Dillard's mobile app to access bill pay.
- You can pay any amount from your minimum payment up to your full balance without paying a fee.
- Payments post within one to two business days, so plan ahead if your due date is soon.
- You can set up a one-time payment or schedule recurring payments on the same date each month.
- If you miss a payment, Dillard's will report it to credit bureaus after 30 days, which damages your credit score.
Steps to make a payment online
Go to the Dillard's website and select "Account" or "My Account" from the top menu. Enter your username and password, or create an account if you do not have one yet. Once logged in, look for "Make a Payment" or "Pay Bill" — the exact wording varies depending on whether you are on desktop or mobile.
Enter the amount you want to pay. You can see your current balance, minimum payment due, and due date on the same screen. Choose the date you want the payment to post — this can be today or any future date up to your due date. Review the details and click "Confirm" or "Submit Payment." You will receive a confirmation number on screen and usually by email as well.
Keep the confirmation number and email receipt. If there is a problem with the payment, you will need this number to contact Dillard's customer service.
Using the Dillard's mobile app
Download the Dillard's app from the Apple App Store or Google Play Store. Log in with the same username and password you use on the website. Tap the account icon or menu button, then select "Make a Payment" or "Pay My Bill."
The process is the same as on the website: enter your amount, choose your payment date, and confirm. Mobile payments post on the same timeline as website payments — one to two business days.
What happens if you miss a payment
If your payment does not post by the due date, Dillard's will charge a late fee. The amount varies but is typically $25 to $40 for the first late payment. If you are late again within six months, the fee may be higher.
After 30 days past the due date, Dillard's reports the late payment to the three major credit bureaus — Equifax, Experian, and TransUnion. This stays on your credit report for seven years and lowers your credit score. The damage is worst in the first few months after the late payment.
If you realize you will miss a due date, contact Dillard's customer service before the date passes. Some cardholders have had late fees waived if they call and explain the situation, though this is not may provide.
Setting up automatic payments
Most credit card issuers, including Dillard's, let you schedule recurring payments. Log into your account, find the payment section, and look for "Automatic Payment" or "Recurring Payment." You can choose to pay a fixed amount each month, your minimum payment, or your full balance.
Automatic payments remove the risk of forgetting a due date. However, if your balance changes month to month, paying a fixed amount might not cover your full balance. Paying your minimum automatically is safer than missing a payment, but you will pay interest on the remaining balance.
You can change or cancel automatic payments anytime through your account. If you cancel, you are responsible for making manual payments on time.
Payment timing and posting
Payments made before 11:59 p.m. Eastern Time typically post the next business day. Payments made after midnight or on weekends post the following business day. If you schedule a payment for a future date, it will post on that date (or the next business day if that date falls on a weekend or holiday).
Business days are Monday through Friday, excluding federal holidays. If your due date falls on a weekend or holiday, your payment is on time if it posts by the next business day.
Do not assume a payment has posted just because you received a confirmation. Check your account the next day to confirm the payment went through. If it did not, contact Dillard's immediately.
Paying from a bank account instead
You can also pay your Dillard's bill through your bank's bill pay service. Log into your bank account, add Dillard's as a payee, and schedule a payment. Your bank sends a check to Dillard's, which takes five to ten business days to arrive and post.
This method is slower than paying online through Dillard's directly. Use it only if you prefer to manage all bills through your bank, or if you are having trouble accessing the Dillard's website. The payment will still post to your account, but you have less control over the exact posting date.
Frequently Asked Questions
Can I pay my Dillard's bill over the phone?
Yes. Call the customer service number on the back of your card or on your billing statement. A representative will take your payment information and process the payment. Phone payments post on the same timeline as online payments — one to two business days. You will receive a confirmation number.
What if I pay more than my balance?
The extra amount becomes a credit on your account. You can use it toward future purchases or request a refund. Dillard's will not charge you interest on a credit balance, but they also will not pay you interest on it.
Does paying online hurt my credit score?
No. Making on-time payments improves your credit score over time. Only late payments (30 days or more past due) hurt your score. Paying online, by phone, or by mail makes no difference to your credit as long as the payment posts by the due date.
Can I change my payment after I submit it?
If the payment has not yet posted, you may be able to cancel it through your account. Once it posts, you cannot cancel it, but you can make another payment to adjust your balance. Contact Dillard's customer service if you need to cancel a payment that has already posted.
What if the website says my payment failed?
Check that your account information is correct and that you have sufficient funds (if paying from a bank account). Try again, or call customer service to make a payment over the phone. Do not assume the payment went through if you see an error message — verify it posted to your account the next day.