Where to Pay Your Scheels Card
Scheels Credit Card payments can be made online through your cardholder account, by phone, by mail, or in person at any Scheels store. The online portal is the fastest route and lets you see your balance and due date when ready. If you prefer to call, the customer service number is on the back of your card.
Payments made online or by phone typically post within one business day. Mail payments take longer — usually five to seven business days depending on postal delivery and processing time at the payment center. In-store payments at Scheels locations are processed when ready, though you will need your card or account number.
Key Takeaways
- Online payments through your Scheels cardholder account are the fastest method and show your balance and due date in real time.
- Your minimum payment due date is printed on your monthly statement, and paying after that date may result in a late fee.
- You can set up automatic payments from your bank account to avoid missing a due date, though you remain responsible if the payment fails.
- Payments made online or by phone post within one business day, while mail payments take five to seven business days.
- If you cannot pay the full balance, paying at least the minimum by the due date keeps your account in good standing.
Paying Online Through Your Account
Log in to your Scheels cardholder account on the Scheels website or mobile app. Once logged in, look for a "Make a Payment" or "Pay Now" option — the exact wording depends on which platform you are using. Enter the amount you want to pay and select your payment method: bank account (ACH transfer) or debit card.
If you choose to pay from your bank account, you will need your routing number and account number. Debit card payments require your card number, expiration date, and CVV. Review the payment amount and due date before confirming. You will receive a confirmation number when ready, and the payment will post to your account within one business day.
Keep your confirmation number for your records. If the payment does not appear in your account within two business days, contact Scheels customer service using the number on your card.
Paying by Phone
Call the customer service number on the back of your Scheels Credit Card. A representative will ask for your account number and the amount you want to pay. Have your bank account information or debit card ready — you will need to provide either one to complete the payment.
Phone payments are processed the same day you call and post within one business day. The representative will give you a confirmation number at the end of the call. Write it down or ask them to email it to you if that option is available.
Paying by Mail
Your monthly statement includes a payment coupon with a mailing address. Write a check or money order for the amount you owe, include the coupon, and mail it to the address shown. Do not send cash through the mail.
Mail payments take five to seven business days to arrive and be processed. If your due date is fewer than seven days away, mailing a payment may result in a late fee even if you send it on time. For payments close to the due date, use online or phone payment instead.
Setting Up Automatic Payments
Automatic payments remove the risk of forgetting a due date. Log into your Scheels cardholder account and look for an "Autopay" or "Automatic Payment" option. You can usually choose to pay your full statement balance, a fixed amount, or just the minimum payment each month.
Select the day of the month you want the payment to come out — many cardholders choose a date shortly after they receive their paycheck. The payment will be drawn from your bank account on that date each month. You remain responsible if the payment fails due to insufficient funds or a closed account, so monitor your bank balance before each scheduled payment date.
You can change or cancel automatic payments at any time through your account. If you need to stop a payment before it processes, contact customer service as soon as possible.
Understanding Your Due Date and Minimum Payment
Your due date and minimum payment amount appear on your monthly statement. The due date is the last day you can pay without triggering a late fee. Minimum payments are calculated as a percentage of your balance plus interest and fees — typically around 1 to 3 percent of what you owe.
Paying only the minimum keeps your account in good standing but means you will pay significantly more in interest over time. If you can afford to pay more than the minimum, doing so reduces the total interest you pay and helps you pay off the balance faster.
If you miss your due date, a late fee will be added to your account. The amount varies, but late fees typically range from $25 to $40 depending on your card terms. A late payment also may affect your credit score.
What to Do If You Cannot Pay on Time
If you know you will miss your due date, contact Scheels customer service before the date arrives. Explain your situation — some cardholders are able to negotiate a short extension or a temporary adjustment to their payment plan. Calling before you miss the payment is much more effective than calling after.
If you have already missed a payment, contact customer service when ready. The sooner you bring your account current, the less damage occurs to your credit. Ask whether the late fee can be waived, especially if this is your first missed payment.
If you are struggling with multiple debts, consider speaking with a nonprofit credit counselor. Many offer free consultations and can help you create a budget or explore debt management options.
Frequently Asked Questions
How do I know if my payment went through?
You will receive a confirmation number when ready after making a payment online or by phone. Log into your account a day later to verify the payment appears in your transaction history. If you mailed a check, allow five to seven business days before checking.
Can I pay my Scheels card at a store?
Yes. Visit any Scheels location and ask to make a payment on your credit card account. Bring your card or have your account number ready. The payment will be processed when ready, though it may take one business day to show in your online account.
What happens if I pay late?
A late fee will be added to your account, typically $25 to $40. A late payment also may be reported to credit bureaus and can lower your credit score. The longer your account remains past due, the more serious the impact.
Can I change my automatic payment amount or date?
Yes. Log into your cardholder account and update your autopay settings at any time. Changes usually take effect on your next scheduled payment date. If you need to stop a payment that is about to process, call customer service when ready.
Is there a fee for paying online or by phone?
No. Scheels does not charge a fee for online or phone payments. Mail payments are also free, though they take longer to process.