Where your Dick's Sporting Goods credit card payment goes
The Dick's Sporting Goods credit card is issued by Comenity Capital Bank, not by Dick's itself. When you make a payment, your money goes to Comenity, which holds the account, processes the payment, and credits it to your balance. Dick's Sporting Goods has no role in receiving or processing your payment — they see only that a customer's balance changed.
This matters because if you have a problem with a payment — it didn't post, it posted late, or it went to the wrong account — you contact Comenity customer service, not Dick's. Comenity's phone number is on your statement and on the back of your card. The company processes payments 24 hours a day, seven days a week, though payments made after 5 p.m. Eastern Time typically post the next business day.
Comenity also sets the rules for how much you can pay, when payments are due, and what happens if you miss a due date. Dick's cannot override these rules or waive fees, even if you ask in a store.
Key Takeaways
- Your Dick's Sporting Goods credit card is issued by Comenity Capital Bank, so payments go to Comenity, not to Dick's Sporting Goods.
- You can pay online through your Comenity account, by phone at the number on your statement, by mail to the address printed on your bill, or through automatic payments set up in advance.
- Payments made before 5 p.m. Eastern Time typically post the same business day; payments after that time post the next business day.
- Your payment due date is set by Comenity and appears on your statement; paying after that date triggers a late fee and may affect your credit report.
Payment methods and how long each takes to post
Comenity offers four ways to pay your Dick's card: online through your account, by phone, by mail, and through automatic recurring payments.
Online payment is the fastest and most common route. Log into your Comenity account at the website or through the Comenity mobile app, enter the amount you want to pay, and confirm. If you pay before 5 p.m. Eastern Time on a business day, the payment posts that same day. Payments submitted after 5 p.m. or on weekends and holidays post the next business day. You see the payment reflected in your available credit when ready, though the transaction may take a day or two to fully clear in the background.
Phone payment works the same way. Call the number on your statement, follow the automated prompts or speak to a representative, and provide your payment amount and the account or bank details you're paying from. Phone payments follow the same posting timeline as online payments — same business day if before 5 p.m. Eastern, next business day otherwise.
Mail payment is slower. Write a check, include your account number, and mail it to the address on your statement. Comenity typically receives mail within three to five business days, depending on your location and the postal service. Once received, the payment posts within one to two business days. If your due date is approaching, mail is risky — a payment that arrives after the due date triggers a late fee even if you mailed it on time. Use mail only if you have a buffer of at least a week before your due date.
Automatic payments let you set up a recurring payment on a date you choose each month. You provide your bank account or debit card details once, and Comenity withdraws the amount automatically. Automatic payments post on the date you select, provided that date is a business day. If you choose a weekend or holiday, the payment posts the next business day. Automatic payments are useful if you want to may support you never miss a due date, though you must monitor your account to make sure the automatic amount covers any new charges.
What happens if your payment is late
Your payment is considered late if it is not received by Comenity by 5 p.m. Eastern Time on your due date. The due date is printed on your statement and is typically 21 to 25 days after your statement closes. If your payment arrives after that time, Comenity charges a late fee — usually $25 to $35, depending on your account history and the size of your balance.
A late payment also affects your credit report. Comenity reports payment history to the three major credit bureaus (Equifax, Experian, and TransUnion). A payment 30 days or more late appears as a delinquency on your credit report and can lower your credit score by 100 points or more. The impact lasts for seven years from the date of the late payment, though the damage diminishes over time if you pay on time afterward.
If you miss a payment by a few days, call Comenity when ready. Some representatives have discretion to waive a single late fee if you have a good payment history and the account is otherwise in good standing. There is no harm in asking, and the call takes five minutes. However, Comenity cannot remove a late payment from your credit report once it has been reported to the bureaus — only time and consistent on-time payments afterward will improve your score.
How to set up automatic payments and avoid missed due dates
To set up an automatic payment, log into your Comenity account online or through the app, navigate to the payments section, and select "Set up automatic payment" or "Recurring payment." You will be asked to choose a payment date each month, the amount to pay (usually your full statement balance or a fixed dollar amount), and the bank account or debit card to withdraw from.
Most people choose to pay their full statement balance automatically on the due date or a few days before. This ensures the balance is paid in full each month and you avoid interest charges and late fees. If you choose a fixed dollar amount instead, make sure it is at least your minimum payment — paying less than the minimum still counts as a late payment and triggers fees and credit damage.
You can change or cancel an automatic payment at any time through your account. If you cancel, you are responsible for making a manual payment by the due date. If you set up automatic payments and then forget about them, monitor your bank account to make sure the withdrawal goes through each month — if your bank declines the payment due to insufficient funds, Comenity may charge a returned-payment fee and report the missed payment to the credit bureaus.
Disputing a payment that did not post or posted incorrectly
If you made a payment and it does not appear in your account within the expected timeframe, contact Comenity before your next due date. Have your confirmation number ready — online and phone payments generate a confirmation number when ready, and you should save or screenshot it. Mail payments do not have a confirmation number, so note the date you mailed the check and the amount.
Comenity can search for the payment using your confirmation number or the details you provide. If the payment was received and posted, the representative will show you the posting date. If it was received but not yet posted, they will tell you when to expect it. If it was not received at all, Comenity will file a trace request with your bank (for online or phone payments) or the postal service (for mail payments) to locate it. This process typically takes 10 to 15 business days.
While a trace is pending, you are still responsible for paying your bill by the due date. If the missing payment causes you to miss a due date, ask Comenity to note the dispute on your account. If the payment is later found and posted, some representatives will waive the late fee as a courtesy, though this is not may provide. To protect yourself, do not rely on a missing payment as an excuse to skip your next payment — make a new payment to cover the balance and let the trace process run in parallel.
Paying more than the minimum and paying off your balance early
You can pay more than your minimum payment at any time without penalty. Paying your full statement balance each month avoids interest charges — the Dick's Sporting Goods credit card carries a variable interest rate that Comenity sets based on your creditworthiness and current market rates. If you carry a balance, interest accrues daily on the unpaid portion.
If you want to pay off your balance early, make a payment for the full amount you owe. You can do this online, by phone, or through automatic payment. There is no prepayment penalty, and Comenity will not charge you for paying early. Your available credit increases when ready, and you can use the card again right away.
Some people make multiple payments per month to keep their balance low and reduce interest charges. This is allowed and encouraged. Each payment posts separately and reduces your balance when ready, so you can pay whenever you have the money without waiting for a statement cycle.
Frequently Asked Questions
Can I pay my Dick's credit card bill in a Dick's store?
No. Dick's Sporting Goods stores do not accept credit card payments. You must pay through Comenity using one of the four methods: online, by phone, by mail, or through automatic payment. Store associates cannot process payments or access your account.
What if I pay online but my bank shows the money is still in my account?
Your bank and Comenity process payments on different schedules. When you submit a payment online, Comenity initiates a transfer from your bank account, but your bank may not deduct the money for one to two business days. The payment has been sent to Comenity and will post to your credit card account on schedule, even though your bank has not yet withdrawn the funds. Check your bank account a few days later — the money will be gone once the transfer clears.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum payment (shown on your statement) and your full balance. However, paying only the minimum means the remaining balance carries over to the next month and accrues interest. Paying your full balance each month avoids interest charges entirely.
What if I set up automatic payments but then close my bank account?
Your automatic payment will fail when Comenity tries to withdraw from a closed account. Comenity will charge a returned-payment fee (usually $25 to $35) and report the missed payment to the credit bureaus. Update your automatic payment details when ready with your new bank account or debit card information, or cancel automatic payments and switch to manual payments until you have set up a new account.
Can Comenity take money from my account without my permission?
No, unless you have authorized automatic payments. If you set up automatic payments, Comenity can withdraw the agreed-upon amount on the agreed-upon date. If you did not authorize automatic payments and money is withdrawn from your account, contact your bank when ready to report unauthorized withdrawal and request a reversal. Then contact Comenity to find out why the withdrawal occurred.