Where to send your Dick's Sporting Goods credit card payment
Dick's Sporting Goods credit cards are issued and managed by Synchrony Bank, so payments go directly to Synchrony, not to Dick's. 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 the online payment portal — you can log in at Synchrony's website or through the Dick's mobile app and make a payment that posts within one business day.
If you prefer not to use the website, you can call Synchrony's customer service line (the number is on the back of your card) to make a payment by phone. Mail payments take longer — typically five to seven business days to post — so use mail only if you do not have online or phone access. Some Dick's locations also accept in-store payments, though this is less common and you should confirm with your local store first.
Key Takeaways
- Synchrony Bank, not Dick's Sporting Goods, receives and processes all credit card payments for the Dick's card.
- Online payment through Synchrony's website or the Dick's app is the fastest method and typically posts within one business day.
- Phone payments can be made by calling the customer service number on the back of your card.
- Mail payments take five to seven business days to post, so plan ahead if you choose this method.
- Set up automatic payments through your Synchrony account to avoid late fees and missed due dates.
Paying online through Synchrony or the Dick's app
To pay online, go to Synchrony's website (synchronybank.com) or use the Dick's Sporting Goods mobile app. Log in with your username and password. From your account dashboard, select the option to make a payment, enter the amount you want to pay, and choose your payment method — you can pay from a checking or savings account, or use a debit card.
Payments made before 8 p.m. Eastern Time on a business day usually post the next business day. If you pay after 8 p.m. or on a weekend or holiday, the payment will post on the following business day. The online portal also shows your current balance, due date, and transaction history, so you can track your account in real time.
Phone and mail payment options
To pay by phone, call the customer service number printed on the back of your Dick's credit card. A representative will ask for your account number and the amount you want to pay, then guide you through providing your bank account or debit card information. Phone payments typically post within one to two business days.
For mail payments, send a check or money order to the address listed on your monthly statement. Write your account number on the check. Mail payments take five to seven business days to reach Synchrony and post to your account, so send your payment at least a week before your due date to avoid a late fee. If you do not have a recent statement, you can call Synchrony to request the mailing address.
Automatic payments and due date management
Setting up automatic payments through Synchrony removes the risk of missing a due date. Log into your Synchrony account online, go to the payments section, and select "Set up automatic payments." You can choose to pay your full balance, a fixed amount, or the minimum payment each month. Automatic payments deduct from your bank account on the date you choose, usually within one to two business days.
If you set automatic payments for the minimum amount, remember that you will still carry a balance and pay interest. To avoid interest charges, set automatic payments for your full statement balance. You can change or cancel automatic payments anytime through your account, though Synchrony recommends keeping them active to stay on schedule.
What to do if your payment is late
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The fee amount depends on your account terms, but typically ranges from $25 to $40 for the first late payment. A late payment also appears on your credit report and may increase your interest rate.
If you miss a payment, contact Synchrony as soon as possible. Explain your situation and ask whether they can waive the late fee — some representatives have the authority to do this, especially if you have a good payment history. Make your payment when ready to stop additional fees from accruing. If you are having trouble making payments, ask about hardship programs that may lower your interest rate or adjust your payment schedule temporarily.
Understanding your statement and payment posting
Your monthly statement from Synchrony shows your opening balance, purchases, payments, interest charges, and closing balance. The due date is typically 21 to 25 days after your statement closes. Payments post in the order Synchrony receives them, so if you make multiple payments in one month, each one reduces your balance separately.
Interest is calculated daily on your outstanding balance. If you pay your full statement balance by the due date, you will not owe interest on new purchases (assuming you have a 0% introductory rate or a rewards card with no annual interest). If you carry a balance, interest accrues on that amount until you pay it off completely.
Frequently Asked Questions
Can I pay my Dick's credit card at a Dick's store?
Some Dick's locations accept in-store payments, but this is not available everywhere. Call your local Dick's store or check the Synchrony website to see if your store offers this service. Online and phone payments are more widely available and faster.
What happens if I pay more than I owe?
If you overpay, Synchrony will credit the extra amount to your account. You can use that credit toward future purchases, or request a refund by calling customer service. Overpayments do not earn interest.
How do I know if my payment went through?
Log into your Synchrony account online or check the Dick's app to see your payment history and current balance. You can also call customer service to confirm. Online payments typically show as pending for one business day before posting.
Can I change my due date?
Yes. Log into your Synchrony account, go to account settings, and look for the option to change your due date. You can usually move your due date to a different day of the month to align with your pay schedule or other bills.
What if I want to dispute a charge on my statement?
Contact Synchrony customer service within 60 days of the charge appearing on your statement. Explain the dispute and provide any supporting documentation. Synchrony will investigate and either reverse the charge or explain why it is valid. During the dispute, you do not have to pay that amount.