How to Pay Your Dick's Sporting Goods Credit Card Through Synchrony Bank
Where Your Dick's Sporting Goods Card Payment Actually Goes
Your Dick's Sporting Goods credit card is issued and managed by Synchrony Bank, not by Dick's itself. This means when you make a payment, you are sending money to Synchrony, even though you use the card at Dick's stores. Synchrony handles your account balance, interest charges, payment processing, and customer service — they are the bank behind the card.
Understanding this separation matters because it tells you where to send payments, who to contact about your account, and which website to log into to check your balance. Many cardholders assume they pay Dick's directly and end up confused about where their payment went or why their online account looks different than expected.
Key Takeaways
- Synchrony Bank, not Dick's Sporting Goods, receives and processes all your credit card payments.
- You can pay online through Synchrony's website, by phone, by mail, or through automatic monthly transfers from your bank account.
- Payments made before the due date shown on your statement will not trigger late fees or interest charges on new purchases.
- Your payment may take one to three business days to show in your account after Synchrony receives it, depending on the payment method you choose.
How to Make a Payment Online or by Phone
Log into your account at www.mysynchrony.com to pay online. You will need your card number and the password you created when you first set up your online account. Once logged in, select "Make a Payment" and choose how much to pay — you can pay the full balance, the minimum due, or any amount in between. Synchrony accepts payment from a checking or savings account (ACH transfer) at no charge, and the payment posts within one to three business days.
To pay by phone, call the customer service number on the back of your Dick's card. A representative will ask for your card number and the amount you want to pay, then guide you through linking a bank account if you have not already done so. Phone payments also use ACH and take the same one to three business days to post. Do not give your bank account information to anyone who calls you — always initiate the call yourself using the number on your card.
Setting Up Automatic Monthly Payments
Automatic payments remove the risk of forgetting a due date. Log into www.mysynchrony.com, go to "Manage Autopay," and choose whether you want to pay the full balance, the minimum due, or a fixed dollar amount each month. You can set the payment date to any day between the 1st and the 28th. Synchrony will pull the money from your bank account on that date each month, and it will post within one to three business days.
You can change or cancel automatic payments anytime through your online account. If you set autopay to the full balance and your statement closes on the 15th, for example, you might set the payment date for the 20th to give yourself time to review the charges before the money leaves your account. If you know a month will be tight, you can log in and temporarily lower the autopay amount or skip that month's payment.
Paying by Mail
Your monthly statement includes a payment coupon with a mailing address. Write a check or money order for the amount you want to pay, include the coupon, and mail it to the address printed on the form. Mail payments take longer than online or phone payments — typically five to seven business days to reach Synchrony, plus another one to two days to post to your account. This means a check mailed on a Monday might not show up until the following week.
If your due date is coming up and you are paying by mail, send your payment at least one week early to avoid a late fee. Keep a record of the check number and the date you mailed it in case you need to prove you paid on time. If your payment does not show up within ten business days, call Synchrony to confirm they received it.
What Happens If You Miss a Payment
A payment is considered late if it does not post to your account by the due date shown on your statement. Synchrony will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment) and may increase your interest rate. Late payments also hurt your credit score and stay on your credit report for seven years.
If you miss a payment by a few days, call Synchrony immediately. Some late fees can be waived if you have a good payment history and call before the fee posts. If you are struggling to make the payment at all, ask about hardship programs or payment plans — Synchrony has options for cardholders facing temporary financial difficulty, though they are not automatic and you have to request them.
Understanding Payment Timing and Your Statement Cycle
Your statement closes on a specific date each month (for example, the 10th), and your payment is due about three weeks later (for example, the 31st). Charges you make after the statement closes do not appear on that bill — they show up on next month's statement. This means if you pay your full balance on the due date, you will still have a new balance the next day from any purchases you made after the statement closed.
Interest charges are calculated on your average daily balance during the billing cycle. If you carry a balance from month to month, you will pay interest on that balance even if you make a payment — the interest only stops when your balance reaches zero. Paying more than the minimum due reduces the amount of interest you pay next month.
Frequently Asked Questions
How long does it take for my payment to show up in my account?
Online and phone payments using ACH take one to three business days to post. Mail payments take five to seven business days to arrive at Synchrony, then another one to two days to post. If you pay by mail, send it at least one week before your due date to be safe.
Can I pay my Dick's card at a Dick's store?
No. Dick's Sporting Goods stores do not accept payments on the credit card. You must pay through Synchrony Bank using their website, phone line, mail, or automatic payment system. Paying at a Dick's store will not work and may cause confusion about whether your payment went through.
What if I want to pay more than my balance?
You can pay any amount up to your current balance through Synchrony's website or phone line. Overpayments are not possible — if you try to pay more than you owe, Synchrony will only accept the amount of your balance. Any extra money you send will be returned or credited to your account.
Do I have to use automatic payments?
No. Automatic payments are optional. You can pay manually each month through the website, phone, or mail. Many people use autopay for the minimum due and then pay extra online when they have extra money, or they set autopay to the full balance so they never carry interest charges.
What should I do if I think my payment was lost in the mail?
Call Synchrony at the number on your card and give them the check number and the date you mailed it. They can search their records to see if the payment arrived. If it did not, you may need to stop payment on the check through your bank and pay again using a faster method like online or phone payment.