Where Your Dick's Sporting Goods Credit Card Payment Goes
Your Dick's Sporting Goods credit card is issued and managed by Synchrony Bank, a third-party lender that handles all billing, payments, and account management. When you make a payment, you are sending money to Synchrony, not to Dick's Sporting Goods directly. Synchrony processes the payment, credits your account, and reports your payment history to the credit bureaus.
This matters because it changes where you send your payment and which customer service number you call if something goes wrong. Dick's Sporting Goods handles the shopping experience; Synchrony handles the money side.
Key Takeaways
- Payments go to Synchrony Bank, not Dick's Sporting Goods, and you can pay online through your Synchrony account, by phone, by mail, or in person at a Dick's store.
- The online payment portal at Synchrony's website is the fastest route and shows your payment post within one to two business days.
- Mailed payments take seven to ten business days to reach Synchrony's processing center, so send them at least two weeks before your due date.
- Payments made in person at a Dick's Sporting Goods store are processed by Synchrony but may take longer to show on your account than online payments.
- Late fees and interest charges begin if your payment does not reach Synchrony by 5 p.m. Eastern time on your due date, regardless of which payment method you use.
Paying Online Through Synchrony's Website or App
The fastest and most reliable way to pay is through Synchrony's online portal. Go to mysynchrony.com, log in with your username and password, and select "Make a Payment" from your account dashboard. You can pay the full balance, the minimum payment, or any amount in between. The system will show you your current balance, due date, and minimum payment due.
You can link a bank account for automatic transfers or make a one-time payment using your checking or savings account. Synchrony also accepts payments from external bank accounts via ACH transfer. Payments made before 5 p.m. Eastern time typically post to your account within one business day; payments made after that time or on weekends post the next business day.
Synchrony also offers a mobile app (search "Synchrony" in your phone's app store) with the same payment features. The app shows your balance, due date, recent transactions, and payment history in one place.
Paying by Phone or Mail
If you prefer not to pay online, you can call Synchrony's customer service line at 1-866-396-8254 to make a payment over the phone. Have your account number and the bank account or card you want to pay from ready. A representative will process the payment when ready, though it may take one to two business days to post to your account.
To pay by mail, send a check or money order to the address printed on your monthly statement. Do not send cash. Write your account number on the check or money order. Mail payments typically take seven to ten business days to arrive at Synchrony's processing center, so send your payment at least two weeks before your due date to avoid a late fee. Synchrony's mailing address is on every bill you receive.
Paying in Person at Dick's Sporting Goods
You can walk into any Dick's Sporting Goods store and make a payment at the register or customer service desk. Tell the employee you want to pay your Synchrony credit card bill. They will process the payment and give you a receipt. The payment is sent to Synchrony but may take three to five business days to appear on your account, longer than online or phone payments.
In-store payments are useful if you do not have online access or prefer to handle it in person, but they are not the fastest option. If your due date is within a few days, paying online or by phone is safer.
What Happens If Your Payment Is Late
Synchrony considers a payment late if it does not arrive by 5 p.m. Eastern time on your due date. The due date is printed on your monthly statement and shown in your online account. A late payment triggers a late fee (the amount varies but is typically $25 to $40 for the first late payment) 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 or work out a payment plan. Synchrony sometimes reverses a single late fee if you have a good payment history. The sooner you call, the better your chances.
Setting Up Automatic Payments to Avoid Missing a Due Date
The easiest way to never miss a payment is to set up automatic payments through Synchrony's website. Log into mysynchrony.com, go to "Manage Automatic Payments," and choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Select the date you want the payment to come out (ideally a few days before your due date to account for processing time).
Automatic payments pull directly from your bank account on the date you choose. You can change or cancel the automatic payment anytime through your Synchrony account. This method removes the risk of forgetting and is the most common way cardholders avoid late fees.
Frequently Asked Questions
How long does it take for a payment to show up on my account?
Online and phone payments typically post within one to two business days. Mail payments take seven to ten business days to arrive at the processing center. In-store payments at Dick's may take three to five business days. The due date important date is 5 p.m. Eastern time, so payments made after that time count as received the next business day.
Can I pay my Dick's credit card at a Dick's Sporting Goods store?
Yes. Walk up to the register or customer service desk and tell them you want to pay your Synchrony credit card. They will process it and give you a receipt. The payment goes to Synchrony, not Dick's, so it may take a few days longer to post than an online payment.
What if I pay online but my payment does not show up after two days?
Contact Synchrony at 1-866-396-8254 with your confirmation number from the payment. Synchrony can look up the payment in their system and tell you exactly when it will post. If there was an error, they can reprocess it. Keep your confirmation number until the payment appears on your account.
Can I set up automatic payments for just the minimum payment?
Yes. When you set up automatic payments on mysynchrony.com, you can choose to pay the full balance, the minimum payment, or a fixed dollar amount each month. Paying only the minimum means you will carry a balance and pay interest, but it ensures you never miss a due date.
What if I want to pay more than my balance?
You can pay any amount up to your current balance through any payment method. If you overpay, the extra amount becomes a credit on your account that Synchrony will explore to your next bill. You cannot receive a refund of a credit balance, but you can use it toward future purchases.