How to Pay Your Cabela's Credit Card Bill
Where and how to pay your Cabela's card
You can pay your Cabela's credit card bill online through your account, by phone, by mail, or in person at a Cabela's store. The online method is fastest — you log into your account on the Cabela's website, enter the amount you want to pay, and the payment posts within one to two business days. By phone, you call the customer service number on the back of your card and provide your payment information to a representative; this also takes one to two business days to post.
Mailing a check takes longer — typically five to seven business days from the time Cabela's receives it, so you need to account for postal delivery time on top of that. Paying in person at a Cabela's store location is an option at some locations, though not all, so call ahead to confirm. No matter which method you use, your payment must arrive by the due date shown on your statement to avoid a late fee.
Key Takeaways
- Online and phone payments post within one to two business days, while mailed checks take five to seven days after Cabela's receives them.
- Your payment must arrive by the due date on your statement to avoid a late fee, so factor in processing time when you choose your method.
- Setting up automatic payments through your online account prevents missed due dates and late fees.
- If you cannot pay the full balance, paying at least the minimum due by the due date keeps your account in good standing.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Cabela's account online, go to the payment or billing section, and select the option to set up automatic payments. You choose the amount — either the full statement balance, the minimum payment, or a fixed amount you set yourself — and the date each month when the payment should come out of your bank account.
Once automatic payments are active, the payment withdraws from your checking or savings account on the date you chose, and posts to your Cabela's account within one to two business days. You can change or cancel automatic payments anytime through your online account, so this does not lock you in. Many cardholders set automatic payments to the minimum due as a safety net, then make larger payments manually when they can.
What happens if you miss a due date
A late payment triggers a fee — the amount depends on your card agreement and how late the payment is, but typically ranges from $25 to $40 for the first late payment. More importantly, a late payment also reports to the credit bureaus and can lower your credit score, even if you pay just one day after the due date.
If you realize you have missed a due date, pay as soon as you can. The sooner you pay, the less interest accrues on the unpaid balance. If this is your first late payment, you can sometimes call customer service and ask them to waive the late fee as a one-time courtesy, though they are not required to do so. Repeated late payments can result in a higher interest rate on your card.
Understanding your statement and minimum payment
Your Cabela's statement shows the amount you owe, the due date, and the minimum payment required. The minimum payment is usually 1 to 3 percent of your total balance, or a small fixed amount like $25, whichever is greater. Paying only the minimum keeps your account current, but you will pay interest on the remaining balance every month.
The statement also shows your interest rate (called the APR, or annual percentage rate), your credit limit, and a breakdown of charges and payments. If you carry a balance from month to month, the interest compounds — meaning you pay interest on the interest — so paying more than the minimum saves you money over time. Many cardholders pay the full statement balance each month to avoid interest charges altogether.
Payment methods and timing
| Payment Method | How to Use It | Time to Post |
|---|---|---|
| Online | Log into your Cabela's account and enter payment amount | 1–2 business days |
| Phone | Call the number on the back of your card and provide payment info | 1–2 business days |
| Send a check to the address on your statement | 5–7 days after receipt, plus postal time | |
| In Person | Pay at a Cabela's store location (not all locations accept this) | 1–2 business days |
How to find your account and due date
Your due date appears on your monthly statement, which you can view online or receive by mail. To find your statement online, go to the Cabela's website, click on the account or credit card section, and log in with your username and password. If you do not have an online account set up yet, you can create one using your card number and other identifying information.
Your statement also arrives by mail if you have not opted for paperless statements. The due date is usually 21 to 25 days after the statement closing date, though this varies by card agreement. If you cannot find your due date or have questions about your balance, call the customer service number on the back of your card.
What to do if you cannot pay the full balance
If you cannot pay the full amount by the due date, pay at least the minimum payment to keep your account in good standing and avoid a late fee. Paying the minimum keeps you current, but interest will accrue on the unpaid balance. If you are struggling with the balance, consider paying more than the minimum when you can, or looking for ways to reduce your spending so you can pay down the debt faster.
Some cardholders use a balance transfer to move their Cabela's balance to another card with a lower interest rate, though this usually involves a fee and a temporary rate increase. Others set a budget and commit to paying a fixed amount each month until the balance is gone. The key is to avoid missing the due date, because late fees and credit damage cost more in the long run than the interest on a carried balance.
Frequently Asked Questions
Can I pay my Cabela's bill at a store?
Some Cabela's locations accept in-person payments, but not all. Call your local store or check the Cabela's website to see if your location offers this service. If it does, bring your card or account number and the amount you want to pay.
What if my payment is late by one day?
A payment one day late still triggers a late fee and reports to the credit bureaus. Due dates are firm, so pay as soon as you realize you are late. If this is your first late payment, calling customer service to request a one-time fee waiver is worth trying, though they may decline.
How long does a mailed check take to post?
A mailed check typically takes five to seven business days to post after Cabela's receives it, plus however long the mail takes to arrive. To be safe, mail your payment at least 10 days before the due date. If you are cutting it close, use online or phone payment instead.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay just the minimum and stay current on your account. However, interest accrues on the unpaid balance, so paying more than the minimum saves you money. Paying the full statement balance each month avoids interest charges entirely.
What happens if I set up automatic payments but do not have enough money in my account?
If your bank account does not have enough funds when the automatic payment tries to withdraw, the payment will fail and you may incur an overdraft fee from your bank. Your Cabela's payment will not post, so you will still owe it and may face a late fee. Make sure you have sufficient funds before the automatic payment date.