Dillard's Credit Card payments go through Comenity Bank, the company that issues and manages the card
Dillard's Credit Card is issued by Comenity Bank, not by Dillard's directly. This means you pay Comenity Bank, not Dillard's. You can pay online through Comenity's website, by phone, by mail, or in person at a Dillard's store. The fastest and most common method is the online portal.
To pay online, you go to the Comenity Bank customer service website, log into your account, and select the payment option. You can set up a one-time payment or enroll in automatic payments. Payments made online typically post within one business day, though the exact timing depends on when you submit them during the day.
Key Takeaways
- Dillard's Credit Card payments are made to Comenity Bank through their online portal at comenity.com or through the Comenity mobile app.
- You can pay with a bank account (ACH transfer) or debit card, and most online payments post within one business day.
- Setting up automatic payments ensures you never miss a due date, and you can change or cancel automatic payments anytime through your account.
- If you do not have online access, you can call Comenity's customer service phone number (found on your statement or card) to pay by phone or mail a check to the address listed on your bill.
Logging in to your Comenity account for the first time
If you have never paid online before, you need to create a login. Go to comenity.com and look for the option to register or create an account. You will need your Dillard's Credit Card number and the ZIP code associated with your account. Comenity will send a verification code to the email or phone number on file, which you use to complete registration.
Once registered, you can log in anytime to view your balance, statement, and payment history. Keep your username and password find, and consider using a password manager if you use many online accounts. If you forget your password, Comenity offers a password reset option on the login page.
Making a one-time payment online
After logging in, select "Make a Payment" or "Pay Now" from the menu. You will see your current balance and minimum payment due. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment method: bank account (ACH) or debit card.
If you choose ACH (bank account), provide your routing number and account number. If you choose debit card, enter the card number, expiration date, and CVV. Review the payment details, including the payment date. Comenity will show you when the payment will post. Confirm the payment, and you will receive a confirmation number. Save or print this for your records.
Setting up automatic payments to avoid late fees
Automatic payments remove the risk of forgetting a due date. Log into your Comenity account and look for "Automatic Payments," "Recurring Payments," or "Autopay." Choose the amount you want to pay each month — minimum payment, full balance, or a fixed amount. Select the payment method (bank account or debit card) and the day of the month you want the payment to go through.
Comenity will process the payment automatically on that day each month. You can change the amount, pause, or cancel automatic payments anytime by logging back into your account. If your balance drops to zero, the automatic payment will not process that month. Review your account periodically to make sure automatic payments are working as expected.
Paying by phone or mail if you cannot pay online
If you do not have internet access or prefer not to pay online, you can call the customer service number on your Dillard's Credit Card statement or bill. A representative will take your payment information over the phone. You can pay with a bank account or debit card. Phone payments typically post within one to two business days.
You can also mail a check or money order to the address shown on your statement. Write your account number on the check and mail it to the payment address listed on your bill. Mail payments take longer to post — usually five to seven business days — so send your payment well before the due date to avoid late fees. Keep a copy of your check or money order for your records.
Paying in person at a Dillard's store
Some Dillard's locations accept credit card payments in person at the customer service desk. Call your local Dillard's store before you go to confirm they offer this service, as not all locations do. Bring your Dillard's Credit Card or account number and the payment amount in cash or debit card. In-store payments typically post within one to two business days.
In-store payment is useful if you are already shopping or if you prefer to handle payment face-to-face. However, online or phone payment is usually faster and more convenient. If your store does not offer in-store payment, use one of the other methods listed above.
What to do if your payment does not post on time
If you made a payment and it has not posted within the expected timeframe, log into your Comenity account and check the payment status. Payments made online usually show as "pending" for a few hours before posting. If more than one business day has passed and the payment still shows as pending or missing, contact Comenity customer service.
Have your confirmation number ready when you call. If you paid by mail, allow five to seven business days before contacting Comenity. If a late fee was charged because of a payment delay on Comenity's end, ask if they can remove it. Keep records of all payments, including confirmation numbers and dates, to resolve disputes quickly.
Frequently Asked Questions
Can I pay my Dillard's Credit Card at a Dillard's store?
Some Dillard's locations accept payments at the customer service desk, but not all do. Call your local store to ask. If they do not, you can pay online through Comenity, by phone, or by mail.
Is there a fee to pay my Dillard's Credit Card online?
No. Comenity does not charge a fee for online payments made through their website or app. Some payment methods, like paying with a credit card instead of a bank account, may carry a fee, but bank account and debit card payments are free.
How long does it take for an online payment to show up?
Most online payments post within one business day. If you pay early in the morning, it may post the same day. Payments made late in the day or on weekends typically post the next business day. Check your account to see the expected posting date before you confirm.
What if I want to stop automatic payments?
Log into your Comenity account, go to the automatic payments section, and cancel or pause the payment. You can do this anytime. If you cancel, you will need to make manual payments going forward to avoid late fees.
Can I pay more than the minimum to pay off my balance faster?
Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. You can do this with a one-time payment or by adjusting your automatic payment amount.