What Dick's Bill Pay is and how to use it
Dick's Sporting Goods Bill Pay is a payment option tied to the Dick's Sporting Goods credit card. When you carry a balance on that card, you can set up automatic payments through their bill pay system rather than paying manually each month. The payments go directly from your bank account to Dick's, reducing the balance on your card.
To set up Bill Pay, you log into your Dick's Sporting Goods credit card account online or through their mobile app, then link your checking or savings account. You choose the payment amount and the date you want the money to leave your bank. Dick's processes the payment and credits it to your card balance within a few business days.
This is different from the card's automatic payment feature. With automatic payments, Dick's pulls money on a date you set each month. With Bill Pay, you initiate each payment yourself, which gives you more control but requires you to remember to pay.
Key Takeaways
- Dick's Bill Pay lets you send money from your bank account to your Dick's credit card balance on a schedule you choose.
- There is no fee to use Bill Pay, but you still owe the card's interest rate on any unpaid balance.
- Payments take a few business days to post, so plan ahead if your payment due date is coming up soon.
- Setting up automatic payments instead of Bill Pay removes the risk of forgetting to pay and triggering a late fee.
How the Dick's credit card interest and fees work
The Dick's Sporting Goods credit card charges interest on balances you carry from month to month. The interest rate varies by person and is based on your credit score and history. You can find your current rate in your account or on your monthly statement.
If you pay your full statement balance by the due date shown on your bill, you owe no interest. Interest only applies to the amount you do not pay off. For example, if your balance is $500 and you pay $300 by the due date, you owe interest on the remaining $200.
Late fees apply if you miss your due date. The amount of the late fee depends on how late you are and your card agreement. Missing a payment also damages your credit score, which can raise your interest rate on this card and others.
When Bill Pay makes sense versus automatic payments
Bill Pay is useful if you want to control exactly when money leaves your bank account. You might choose this if your paycheck arrives on different dates each month, or if you want to pay more than the minimum some months and less other months. You set the amount and timing each time.
Automatic payments are simpler if you can afford to pay the same amount on the same day each month. You set it once and it happens without you having to think about it. The downside is that if your bank account runs low, the payment might fail and you could face a late fee.
Many people use both: they set up an automatic payment for the minimum amount due, then use Bill Pay to send extra money when they have it. This protects them from accidentally missing the deadline while still letting them pay down the balance faster.
How long payments take to reach your account
When you submit a Bill Pay payment through Dick's, it typically takes three to five business days for the money to leave your bank account and post to your credit card. This means if your payment due date is tomorrow, Bill Pay is too slow — you need to pay through the card's regular payment system or call Dick's customer service.
Business days do not include weekends or federal holidays. If you submit a payment on Friday afternoon, it may not process until the following Tuesday or Wednesday. Check your bank's cut-off time for same-day processing; payments submitted after that time are treated as submitted the next business day.
Always leave a buffer. If your due date is five days away, submitting a Bill Pay payment is risky because delays happen. Use the card's standard payment option or automatic payment for payments due within a week.
What happens if you miss a payment
If your payment does not reach Dick's by your due date, the card issuer reports it as late. Your account will show a late payment on your credit report, which damages your credit score. The impact is largest if you are 30 or more days late.
You also owe a late fee, which is added to your balance. The fee amount is in your card agreement. On top of that, your interest rate may increase, meaning the interest you owe on your remaining balance goes up.
If you realize you will miss a payment, call Dick's customer service before the due date. They cannot waive the fee, but they can sometimes work with you on timing or explain your options. Paying as soon as you can after you miss the deadline stops additional late fees from piling up.
How Bill Pay affects your credit score
Bill Pay itself does not affect your credit score. What matters is whether the payment reaches Dick's by your due date. If it does, your payment history stays clean. If it does not, the late payment is reported and your score drops.
Your credit score is also affected by how much of your credit limit you are using. If you have a $1,000 limit and a $900 balance, you are using 90 percent of your available credit, which hurts your score. Paying down the balance — whether through Bill Pay, automatic payments, or manual payments — lowers that percentage and helps your score recover.
Paying on time every month is the single biggest factor in your credit score. Using Bill Pay or automatic payments makes this easier because you are less likely to forget.
Alternatives if Bill Pay is not working for you
If Bill Pay is too slow or you want a different payment method, the Dick's Sporting Goods credit card accepts payments through several routes. You can pay online through your account, by phone by calling the customer service number on your statement, or by mail by sending a check to the address listed on your bill.
Online payments through your account typically post the same day or next business day, which is faster than Bill Pay. Phone payments also process quickly. Mail payments take seven to ten business days, so do not use this method if your due date is coming up.
You can also pay in person at a Dick's Sporting Goods store if you have a physical location nearby. Ask a cashier or customer service desk how to make a credit card payment. This is useful if you want to pay immediately and do not have online access.
Frequently Asked Questions
Can I set up Bill Pay to pay more than my balance?
No. Bill Pay will only let you send money up to your current balance. If you want to overpay your card, you will need to use a different payment method or contact customer service to arrange it.
What if my bank account does not have enough money when Bill Pay tries to process?
The payment will fail and the money will not be sent to Dick's. You will likely face a late fee from Dick's and possibly an overdraft fee from your bank. Check your bank balance before submitting a Bill Pay payment.
Does Bill Pay work on weekends?
You can submit a Bill Pay payment on a weekend, but it will not process until the next business day. If your due date falls on a weekend, Dick's usually gives you until the following Monday, but check your statement to be sure.
Can I cancel a Bill Pay payment after I submit it?
It depends on how quickly you act. If the payment has not yet processed, you may be able to cancel it through your account or by calling customer service. Once the money has left your bank account, it is too late to cancel. Contact Dick's immediately if you need to stop a payment.
Is there a limit to how many Bill Pay payments I can make per month?
Dick's does not publicly state a limit on the number of Bill Pay payments you can make. However, making many small payments in a short time might trigger fraud alerts. If you need to make multiple payments, contact customer service to confirm there are no restrictions on your account.