Where to send your Dick's credit card payment
Dick's Sporting Goods issues its credit card through Synchrony Bank, so payments go to Synchrony, not to Dick's directly. You can pay online through your Synchrony account, by phone, by mail, or in person at a Dick's store. The fastest route is usually online — you can set up a one-time payment or automatic monthly payments through the Synchrony website or mobile app.
If you pay in a Dick's store, staff can process the payment at the register, but this method does not show up in your account when ready. Online and phone payments typically post within one business day. Mail payments take five to seven business days to reach Synchrony's processing center, so plan ahead if your due date is soon.
Key Takeaways
- Dick's credit card payments are processed by Synchrony Bank, not by Dick's Sporting Goods, so you pay Synchrony directly.
- Online payment through your Synchrony account is the fastest method and usually posts within one business day.
- You can set up automatic monthly payments so you never miss a due date, and you can choose to pay the full balance or the minimum amount.
- If you pay by mail, allow five to seven business days for the payment to reach Synchrony's processing center.
- Late fees and interest charges begin if your payment does not arrive by the due date shown on your statement.
Setting up online payments through Synchrony
Log into your Synchrony account at mysynchrony.com or through the Synchrony mobile app. From your account dashboard, select "Make a Payment" and choose whether you want to pay the full balance, the minimum payment, or a custom amount. Enter the payment date — you can schedule it for today or up to 30 days in advance. Synchrony will confirm the payment and send you a receipt by email.
If you do not have a Synchrony online account yet, you will need to set one up before you can pay online. You will need your card number, Social Security number, and date of birth. The account creation process takes a few minutes and is free.
Automatic payments and how to set them up
Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account, go to "Manage Autopay," and choose the amount you want to pay each month — the full balance, the minimum payment, or a fixed dollar amount. Select the day of the month you want the payment to come out, and Synchrony will deduct it automatically on that date each month.
You can change or cancel automatic payments anytime through your account. If you set autopay to the full balance, your account will show a zero balance after each payment posts. If you choose the minimum payment, you will still owe interest on any remaining balance, so the debt will grow if you only pay the minimum.
Paying by phone or mail
To pay by phone, call Synchrony's customer service number on the back of your Dick's credit card. A representative will ask for your card number and the amount you want to pay, and they can process the payment over the phone. Phone payments typically post within one business day.
If you prefer to mail a payment, send a check or money order to the address printed on your statement. Write your account number on the check. Mail payments take five to seven business days to process, so send your payment at least a week before your due date to avoid a late fee. Do not mail cash.
In-store payments at Dick's locations
You can walk into any Dick's Sporting Goods store and ask to pay your credit card balance at the register. Bring your card or account number and the amount you want to pay. The store will process the payment and give you a receipt, but the payment may take one to two business days to show up in your Synchrony account.
In-store payments are convenient if you are already shopping, but they are slower than online or phone payments. If your due date is within a few days, paying online or by phone is safer because the payment posts faster.
What happens if you miss a payment
If your payment does not arrive by the due date on your statement, Synchrony will charge a late fee. The amount of the fee depends on your account terms, but it is usually between $25 and $40 for the first late payment. After 30 days late, the late fee may increase and your interest rate may go up.
If you realize you will miss a due date, contact Synchrony before the date passes. Explain your situation — if it is your first late payment, a representative may be able to waive the fee or work out a payment plan. The sooner you call, the more options you may have.
Understanding your statement and due date
Your Dick's credit card statement shows your current balance, minimum payment due, and due date. The due date is the last day Synchrony will accept a payment without charging a late fee. Your statement also shows the interest rate (called the APR, or annual percentage rate) and how much interest you are paying each month.
Statements are usually mailed or emailed around the same day each month. You can view your current balance and due date anytime by logging into your Synchrony account — you do not have to wait for your statement to arrive. If you are unsure when your payment is due, check your account online or call the number on the back of your card.
Frequently Asked Questions
Can I pay my Dick's credit card at the register while I am shopping?
Yes, you can pay at any Dick's register, but the payment may take one to two business days to show up in your account. If your due date is coming up soon, paying online or by phone is faster and safer.
What is the mailing address for Dick's credit card payments?
The mailing address is printed on your monthly statement. Do not send payment to a Dick's store — mail it to the Synchrony address listed on your bill. Payments mailed to the wrong address will be delayed.
Can I set up automatic payments for just one month?
No, automatic payments are ongoing. You can cancel or change them anytime through your Synchrony account, but they will continue each month until you turn them off. One-time payments are better if you only want to pay once.
What if I pay online but my payment does not show up in my account?
Online payments usually post within one business day. If more than one business day has passed and you do not see the payment, log into your account to check the status, or call Synchrony customer service at the number on your card.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum payment and the full balance. If you pay less than the full balance, interest will continue to build on the remaining amount. Paying only the minimum means your debt will grow over time.