What Dillard's Bill Pay Does
Dillard's bill pay lets you send a payment to your Dillard's credit card account through the Dillard's website or mobile app. You can pay your full balance, a minimum payment, or any amount in between. The payment goes directly to your account and typically posts within one to two business days.
This is different from paying through your bank's bill pay system — you're paying Dillard's directly rather than instructing your bank to send a check. Most cardholders use it because it's faster than mailing a check and you can see the payment post to your account right away.
Key Takeaways
- You log into your Dillard's account on the website or app, find the payment section, and enter the amount and payment method — debit card, bank account, or existing Dillard's card.
- Payments typically post within one to two business days, so plan ahead if your due date is coming up soon.
- You can pay any amount from the minimum to your full balance, and you can set up one-time payments or recurring automatic payments.
- If you don't have a Dillard's account yet, you'll need to create one before you can access bill pay.
How to Make a One-Time Payment
Start by going to the Dillard's website and signing into your account with your email and password. If you don't have an account, you'll need to create one using your card number and other identifying information. Once you're logged in, look for a link labeled "Pay My Bill," "Make a Payment," or "Account" — the exact wording varies depending on whether you're on the website or app.
Click that link and you'll see your current balance and due date. Enter the amount you want to pay. You'll then choose your payment method: a debit card, a bank account (using routing and account numbers), or another Dillard's card if you have one. Review the details, confirm the payment, and you'll get a confirmation number. Save or screenshot this number in case you need to reference the transaction later.
Setting Up Automatic Recurring Payments
If you want the same amount to come out of your account on the same day each month, you can set up automatic payments instead of paying manually each time. Go to the payment section of your account and look for an option like "Set Up Automatic Payments" or "Recurring Payments."
You'll choose the amount (minimum payment, full statement balance, or a fixed dollar amount), the day of the month you want it to come out, and your payment method. Once it's set up, the payment will process automatically on that day each month. You can change or cancel it anytime by going back to the payment settings. Automatic payments are useful if you want to make sure you never miss a due date, but remember that your balance may change month to month, so a fixed dollar amount might not cover your full balance every time.
What Payment Methods You Can Use
Dillard's accepts three main payment methods through their bill pay system. You can pay from a debit card — Visa, Mastercard, Discover, or American Express. You can also pay from a bank account using your routing number and account number, which works like an electronic check. Finally, if you have another Dillard's card, you can pay from that card as well.
You cannot pay with a credit card from another bank, a prepaid card, or cash. If you're paying from a bank account, make sure you have enough funds available — the payment will pull from your account once it's processed. There are no fees for paying your Dillard's bill through the Dillard's website or app, regardless of which payment method you choose.
How Long Payments Take to Post
Once you submit a payment, Dillard's typically processes it within one to two business days. This means if you pay on a Monday, you should see it reflected in your account by Wednesday at the latest. Weekends and holidays may add extra time, so if your due date is on a Friday, don't wait until Thursday to pay.
You'll receive a confirmation number when ready after you submit the payment, and that number proves the payment was sent. If you're concerned about whether a payment went through, you can log back into your account and check your payment history. Most accounts show recent payments in a "Transaction History" or "Payment History" section.
What to Do If You Forgot Your Password or Can't Access Your Account
If you can't remember your password, click the "Forgot Password" link on the Dillard's login page. You'll be asked to enter your email address or card number, and Dillard's will send you a link to reset it. Check your email (including spam folders) for that reset link, click it, and create a new password.
If you're having trouble logging in even after resetting your password, or if you don't remember which email address you used to create your account, you'll need to contact Dillard's customer service. You can reach them by phone (the number is on the back of your card) or through the "Contact Us" page on the Dillard's website. Have your card number and some identifying information ready when you call.
Frequently Asked Questions
Can I pay my Dillard's bill through my bank's bill pay instead of the Dillard's website?
Yes. You can set up a bill pay through your bank and have them mail a check to Dillard's, or some banks allow you to pay electronically. Check with your bank about their bill pay options. Mailed checks typically take longer to post than paying directly through Dillard's, so plan accordingly if your due date is soon.
What happens if I pay after my due date?
If your payment posts after your due date, you may be charged a late fee. The exact fee depends on your card agreement. Even if you pay late, make the payment as soon as you realize it — the longer you wait, the more interest may accrue on your balance. Contact Dillard's customer service if you think a late fee was applied in error.
Can I pay more than my full balance?
No. You can pay up to your full current balance, but not more. If you want to prepay for future purchases, you would need to contact Dillard's customer service to discuss that option.
Is there a limit to how much I can pay at once?
Dillard's does not publicly state a single-payment limit, but very large payments may trigger fraud detection and require you to verify the transaction. If you're paying a large amount and the system blocks it, contact customer service to confirm the payment before trying again.
Do I need to have a Dillard's credit card to use bill pay?
Yes. Bill pay is only for Dillard's credit card accounts. If you have a Dillard's debit card or store account but no credit card, you would not have access to this bill pay system.