How to Pay Your Dick's Sporting Goods Credit Card
Where and how to send your Dick's Sporting Goods card payment
Dick's Sporting Goods issues its credit card through Comenity Bank, which means you send payments to Comenity, not to Dick's directly. You can pay online through your Comenity account, by phone, by mail, or in person at a Dick's store. The fastest route is online—payments post the same business day if you submit before the cutoff time, usually around 8 p.m. Eastern.
To pay online, log into your account at dickssportinggoods.com or through the Comenity portal and select "Make a Payment." You'll see your current balance, minimum payment due, and the due date. You can pay the full balance, the minimum, or any amount in between. If you're paying by phone, call the number on the back of your card; a representative will walk you through the payment and confirm it immediately.
Mailing a check takes 7 to 10 business days to reach Comenity's processing center, so mail payments well before your due date to avoid a late fee. The mailing address appears on your statement and in your online account. You can also pay in person at any Dick's Sporting Goods location—staff can process a debit card or cash payment and apply it to your account the same day.
Key Takeaways
- Pay your Dick's card to Comenity Bank, not to Dick's Sporting Goods, through online banking, phone, mail, or in-store.
- Online and phone payments post the same business day; mailed checks take 7 to 10 business days, so plan ahead to avoid late fees.
- Your payment due date appears on your statement and in your online account—missing it triggers a late fee and can raise your interest rate.
- You can pay any amount from the minimum to the full balance; paying more than the minimum reduces the interest you owe on the remaining balance.
- If you can't pay the full amount, contact Comenity before the due date to discuss hardship options or payment plans.
What happens if you miss a payment or pay late
A payment is late if it arrives after 5 p.m. Eastern on the due date. Comenity charges a late fee—the amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. More importantly, a late payment can trigger a penalty interest rate, which is higher than your regular APR and applies to your entire balance, not just new purchases.
Late payments also report to the three credit bureaus (Equifax, Experian, and TransUnion) and stay on your credit report for seven years. Even one late payment can lower your credit score by 100 points or more, which affects your ability to borrow for a car, home, or other credit products. After 30 days late, Comenity may freeze your account and stop allowing new purchases.
If you realize a payment will be late, call Comenity before the due date. Some representatives can waive a single late fee if you have a clean payment history, and discussing hardship early is always better than ignoring the bill. After 60 days late, the card issuer may close your account and refer the debt to a collection agency.
How to set up automatic payments and avoid missed due dates
The easiest way to never miss a payment is to set up automatic payments through your Comenity account. Log in, go to "Manage Automatic Payments," and choose whether to pay the minimum, a fixed amount, or the full statement balance each month. You can set the payment date to any day after your statement closes, giving you time to review the charges first.
Automatic payments draw directly from your checking or savings account on the date you choose. If your account doesn't have enough money on that date, the payment will fail and you'll incur a late fee, so make sure your bank account has a buffer. You can change or cancel automatic payments anytime through your account, and Comenity will send you a confirmation email each time a payment processes.
If automatic payments aren't an option, set a phone reminder for five days before your due date. This gives you time to log in, make a payment, and confirm it posted before the deadline. Many people also add their Dick's card due date to their calendar app or budgeting tool so it appears alongside other bills.
Understanding your statement and what you actually owe
Your Dick's Sporting Goods statement shows four key numbers: the previous balance (what you owed last month), new charges (purchases since the last statement), payments and credits (what you've paid), and the new balance (what you owe now). At the bottom, you'll see the minimum payment due and the due date.
The minimum payment is usually 1 to 3 percent of your balance—it's the smallest amount Comenity will accept to keep your account in good standing. Paying only the minimum means the rest of your balance carries over to next month and accrues interest. If you have a $1,000 balance and pay only the minimum, you'll pay interest on the remaining $970 (or more, depending on your APR) until you pay it off.
Your statement also shows the Annual Percentage Rate (APR), which is the yearly cost of borrowing. The Dick's card APR varies based on your credit score and current market rates. If you carry a balance, you'll owe interest calculated daily on the unpaid amount. Paying the full balance by the due date means you owe no interest at all.
When you can't afford to pay and what options exist
If you're struggling to pay your Dick's card, contact Comenity before you miss a payment. Explain your situation—job loss, medical emergency, reduced hours—and ask what options are available. Some cardholders can negotiate a hardship plan, which temporarily lowers your minimum payment or pauses interest accrual for a set period, usually 3 to 12 months.
Hardship plans are not automatic; Comenity decides whether to offer one based on your account history and the reason for hardship. You may be asked to provide documentation like a termination letter or medical bill. If approved, the plan is recorded on your account, and you'll make reduced payments for the agreed-upon period. After the plan ends, your regular payment schedule resumes.
If a hardship plan isn't an option, ask about a payment arrangement—a one-time agreement to pay a lump sum on a future date or to split your balance into installments over several months. This keeps the account from going to collections and shows Comenity you're committed to paying. Even if you can only pay $50 or $100 more than the minimum, doing so reduces the interest you owe and shortens the time to pay off the card.
How interest and fees work on your Dick's card
Interest on your Dick's card is calculated daily based on your Average Daily Balance (ADB), which is the average of your balance on each day of the billing cycle. Comenity multiplies your ADB by your daily interest rate (your APR divided by 365) to get the interest charge for that month. This means the longer you carry a balance, the more interest you pay.
Fees on your Dick's card include late fees (charged if you pay after the due date), over-limit fees (if you exceed your credit limit), and returned payment fees (if a payment bounces). Some cards also charge an annual fee, though the Dick's card typically does not. Check your card agreement or statement to see which fees apply to your account.
Interest does not accrue if you pay your full statement balance by the due date—this is called the grace period. The grace period is usually 21 to 25 days from the close of your billing cycle. If you carry a balance from one month to the next, the grace period no longer applies, and interest starts accruing immediately on new purchases.
Paying off your balance faster and reducing interest
The fastest way to pay off your Dick's card is to pay more than the minimum each month. Even an extra $25 or $50 reduces the principal balance and cuts the interest you owe. Use an online calculator to see how much faster you'll pay off the card if you increase your payment—most people are surprised by the difference.
Another strategy is to make multiple payments throughout the month instead of one payment at the due date. Each payment reduces your daily balance, which lowers the interest charged the next day. If you make a payment on the 15th and another on the 25th, you'll owe less interest than if you made one payment on the 30th, even if the total amount is the same.
If you have a high APR, consider whether a balance transfer to a card with a lower rate or 0% introductory period makes sense. Balance transfers usually charge a fee (2 to 5 percent of the amount transferred), but if your Dick's APR is very high, the savings may outweigh the fee. Compare offers from other cards before deciding.
Frequently Asked Questions
What time does my online payment need to be submitted to post the same day?
Online payments submitted before 8 p.m. Eastern typically post the same business day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. Check your Comenity account for the exact cutoff time, as it can vary slightly.
Can I pay my Dick's card with a credit card or debit card?
You can pay with a debit card online or by phone through Comenity. Paying with another credit card is not recommended because it may trigger a cash advance fee and count as a new debt. Paying with your debit card or bank account is the most straightforward method.
What if I pay more than I owe?
If you overpay, Comenity will hold the extra amount as a credit on your account. Your next statement will subtract the credit from your new charges. If you want a refund instead, contact Comenity and request one; they will mail you a check or credit your bank account, though this can take several weeks.
Does paying in store count as a payment to Comenity?
Yes, in-store payments at Dick's Sporting Goods are processed by Comenity and applied to your account the same day. The payment posts to your Comenity account, not to Dick's, so you'll see it reflected in your online account within 24 hours.
What happens if my automatic payment fails?
If your bank account doesn't have enough funds on the scheduled payment date, the automatic payment will fail and you'll incur a late fee. Comenity will send you a notification, and you should make a manual payment as soon as possible to avoid further late fees and credit damage.