Where to pay your Dick's Sporting Goods bill
Dick's Sporting Goods issues its credit card through Synchrony Bank. You can pay your bill online through the Synchrony website, by phone, by mail, or in person at a Dick's store. The fastest route is the online portal at mysynchrony.com, where you log in with your card number and set up a one-time payment or enroll in automatic payments.
To pay by phone, call the customer service number on the back of your card or contact Synchrony directly at 1-800-925-7986. A representative will take your payment information and process it immediately. Payments made by phone or online typically post within one business day.
If you prefer to mail a check, write your account number on the check and send it to the address printed on your statement. Mail payments take 7 to 10 business days to reach Synchrony and post to your account, so send them well before your due date to avoid late fees. You can also walk into any Dick's Sporting Goods location and ask a cashier to process a payment on your account.
Key Takeaways
- Pay online at mysynchrony.com, by phone at 1-800-925-7986, by mail to the address on your statement, or in person at a Dick's store.
- Online and phone payments post within one business day; mailed checks take 7 to 10 days, so plan ahead to avoid late fees.
- Your due date appears on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.
- Late payments trigger a fee (the amount varies by your account terms) and can raise your interest rate on future purchases.
- Setting up automatic payments through mysynchrony.com removes the risk of missing a due date.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Synchrony charges a late fee. The fee amount depends on your account terms, but typically ranges from $25 to $40 for the first late payment. Missing a payment also triggers a higher interest rate on your remaining balance, even if you pay the next month on time.
One missed payment stays on your credit report for seven years and can lower your credit score by 100 points or more, depending on your current score and credit history. This affects your ability to borrow for a car, mortgage, or other loans. If you miss a payment by more than 30 days, Synchrony may close your account and refer the debt to a collection agency.
If you cannot pay by the due date, contact Synchrony before the deadline. Some accounts have hardship programs that temporarily lower your payment or interest rate, though these are not may provide and depend on your situation.
Understanding your statement and due date
Your monthly statement shows your opening balance, all purchases and payments made during the month, any interest charges, and your new balance. The due date is printed near the top of the statement and is typically 21 to 25 days after the statement closing date. Paying only the minimum due keeps your account current, but you will pay interest on the remaining balance.
The statement also lists your credit limit, current interest rate (APR), and any promotional rates you may have earned through a Dick's promotion. If you made a purchase during a promotional period—such as 12 months interest-free—that promotion applies only to that specific purchase, not to your entire balance. Interest accrues on other purchases at your regular APR.
How interest charges work on this card
The Dick's Sporting Goods card charges interest on any balance you carry past the due date. The interest rate (APR) varies by applicant and is disclosed in your account terms when you open the card. If you pay your full statement balance by the due date, no interest is charged on purchases made during that billing cycle.
Interest is calculated daily on your outstanding balance. If you carry a balance, interest accrues every day until you pay it off. Promotional rates—such as 0% APR for 12 months on purchases over a certain amount—override your regular rate only for that specific promotion and only if you meet the terms. Missing a payment can end the promotional rate early and apply your regular APR retroactively.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into mysynchrony.com, go to the payment settings, and choose whether you want to pay the full statement balance, the minimum due, or a fixed amount each month. You can set the payment date to any day after your statement closes, as long as it is before your due date.
If you set up automatic payments for the full balance, your account will never carry interest charges and you will avoid late fees. You can change or cancel automatic payments at any time through the website. If a payment fails because of insufficient funds in your bank account, Synchrony will attempt to retry it, but you are responsible for ensuring the payment goes through.
Disputing charges and getting help
If you see a charge on your statement that you did not make or that was processed incorrectly, contact Synchrony within 60 days of the charge appearing on your statement. You can dispute the charge online through mysynchrony.com or by calling 1-800-925-7986. Synchrony will investigate and either reverse the charge or explain why it is valid.
If you have questions about your account, need to report a lost or stolen card, or want to discuss payment options, call the number on the back of your card. Synchrony's customer service is available seven days a week. If you are having financial hardship, ask about hardship programs when you call; these are not automatic, but some accounts may may have access to for temporary relief.
Frequently Asked Questions
Can I pay my Dick's bill with a different credit card?
No. Synchrony does not accept credit card payments for security reasons. You can pay with a debit card, bank account transfer, or check, but not with another credit card. Paying a credit card with another credit card typically incurs a cash advance fee anyway, so it is not a cost-effective option.
What if I pay more than my minimum due?
Any payment above the minimum due goes toward your principal balance first, then toward interest. Paying more than the minimum reduces the total interest you pay and gets you out of debt faster. Extra payments do not carry over to the next month or create a credit on your account; they simply reduce what you owe.
How long does a payment take to show up online?
Online and phone payments typically post within one business day. Mailed checks take 7 to 10 business days. If you are close to your due date, pay online or by phone to ensure the payment posts on time and you avoid a late fee.
Can I change my due date?
Yes. Log into mysynchrony.com and look for account settings or billing information. You can usually change your due date to any day of the month, though some dates may not be available. Changing your due date does not affect your current statement; the new date takes effect on your next billing cycle.
What if I lose my card or suspect fraud?
Call the number on the back of your card immediately or contact Synchrony at 1-800-925-7986 to report the card lost or stolen. Synchrony will freeze your account and issue a replacement card. You are not responsible for fraudulent charges reported within 60 days, but report suspected fraud as soon as you notice it.