Where to pay your Dillard's bill and what payment methods work
You can pay your Dillard's credit card bill online through the Dillard's website, by phone, by mail, or in person at a Dillard's store. The online method is fastest — you log into your account on dillards.com, find the payment section, and submit payment the same day. Phone payments go through Dillard's customer service line and typically process within one business day. Mail payments take seven to ten business days to reach the processing center, so plan ahead if your due date is soon.
Dillard's accepts credit cards, debit cards, and bank account transfers for online and phone payments. If you pay by mail, you can send a check or money order. In-store payments must be made with a debit card, credit card, or cash at the customer service desk — not all locations accept this option, so call ahead to confirm.
Key Takeaways
- Online payment through dillards.com is the fastest method and posts to your account the same day you submit it.
- Phone payments are processed by Dillard's customer service and typically take one business day to show on your account.
- Mail payments take seven to ten business days, so send them at least two weeks before your due date to avoid a late fee.
- Your payment due date and minimum payment amount appear on your monthly statement and in your online account.
How to pay online through your Dillard's account
Go to dillards.com and select the credit card login option. Enter your card number and PIN or password. Once logged in, look for "Make a Payment" or "Pay My Bill" — the exact wording varies depending on whether you are on a desktop or mobile device. Select the amount you want to pay: you can pay the full balance, the minimum payment, or a custom amount.
Enter or confirm the payment method (debit card, credit card, or bank account). Review the payment summary to make sure the amount and date are correct. Submit the payment. You will see a confirmation number on screen — write it down or take a screenshot. The payment posts to your account immediately, though it may take one business day to appear in your available credit.
Paying by phone or through automatic payments
Call Dillard's customer service at the number on the back of your card. A representative will ask for your card number, PIN, and the amount you want to pay. They will confirm the payment method and process date before finalizing the transaction. Phone payments typically post within one business day.
You can also set up automatic payments so your bill is paid on the same date each month. During a phone call or through your online account, you can arrange for Dillard's to withdraw a fixed amount or your full balance from your bank account or debit card automatically. This prevents missed payments, but make sure you have enough funds in your account on the payment date to avoid overdraft fees.
Mailing a check or money order
Write your check or money order for the amount you owe. On the back of the check, write your Dillard's card number. Include a payment stub from your statement if you have one — this helps the processing center match your payment to your account faster. If you do not have a stub, write your name and card number on a separate piece of paper and include it with your payment.
Mail your payment to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send payment to a Dillard's store location — it will be delayed or lost. Mail payments take seven to ten business days to process, so send them by the due date minus ten days to be safe. If your due date is within ten days, use online or phone payment instead.
What happens if you miss a payment or pay late
A payment is considered late if it arrives after your due date. Dillard's will charge a late fee, which varies but is typically $25 to $40 depending on your account terms. A late payment also appears on your credit report and can lower your credit score. If you are more than 30 days late, Dillard's may freeze your account and prevent new purchases.
If you realize you will miss a due date, contact Dillard's customer service before the date passes. Some accounts have a grace period of a few days, or a representative may be able to adjust your due date. Paying even a small amount before the due date shows good faith and may reduce the impact on your credit report. If you have already missed a payment, pay the full amount owed as soon as you can to stop additional fees and prevent further credit damage.
Understanding your statement and payment terms
Your Dillard's statement shows your current balance, minimum payment due, and due date. The current balance includes new purchases, interest charges, and any fees. The minimum payment is the smallest amount Dillard's will accept; paying only the minimum means you will pay interest on the remaining balance next month. The due date is the last day payment can arrive without triggering a late fee.
Your statement also lists your credit limit, available credit, and annual percentage rate (APR). The APR is the yearly interest rate charged on any balance you carry from month to month. If you pay your full balance by the due date, you typically avoid interest charges. If you carry a balance, interest accrues daily at the APR rate until you pay it off.
Frequently Asked Questions
Can I pay my Dillard's bill with a different payment method than the one I used to open the account?
Yes. You can pay with any debit card, credit card, or bank account, regardless of what you used to open the account. In-store payments accept cash, debit, or credit cards. The payment method you choose does not have to match your original account setup.
How do I know if my payment went through?
Online and phone payments show a confirmation number immediately after you submit them. Check your online account the next business day to see the payment reflected in your balance. Mail payments take longer — call customer service after ten business days if you do not see it posted yet.
What if I pay more than I owe?
The extra amount becomes a credit on your account and reduces your next bill. You can also request a refund by calling customer service, though some accounts require the credit to remain on file. Check your account terms or ask a representative about the refund policy.
Can I change my due date?
Many accounts allow you to request a due date change through your online account or by calling customer service. The new date typically takes effect on your next statement. This can help you align your payment with your paycheck or other bills.
What should I do if I cannot afford to pay the full balance?
Pay at least the minimum payment by the due date to avoid a late fee and credit damage. Contact Dillard's customer service to discuss your situation — some accounts may have hardship programs or payment plans available. Paying something on time is better than paying nothing late.