Where to send your Dillard's credit card payment

Dillard's credit card payments go to a payment processor, not to Dillard's stores themselves. The card is issued through Comenity Capital Bank, which handles billing and payment collection. When you make a payment, the money flows to Comenity, which then credits your Dillard's account.

You have three main routes to pay: online through your account, by phone, or by mail. Each route reaches the same place but has different timing and confirmation methods. The online method is fastest and gives you when ready confirmation; the phone method requires speaking to a representative; the mail method takes the longest but creates a paper record.

Key Takeaways

  • Dillard's credit card payments are processed by Comenity Capital Bank, not by Dillard's directly, so you send money to Comenity's payment address or portal.
  • Online payments through your Comenity account post within one business day and show confirmation when ready on your screen.
  • Phone payments require calling the number on the back of your card and take one to two business days to post.
  • Mailed payments should arrive at the address printed on your statement and typically take five to seven business days to post after arrival.
  • Your payment due date is printed on your statement, and paying by that date avoids late fees and protects your credit score.

Paying online through your Comenity account

Log into your account at the Comenity website or through the Comenity mobile app. You will need your card number and the password you created when you first set up online access. If you have not created an account yet, you can do so on the Comenity homepage by entering your card number and following the prompts.

Once logged in, select "Make a Payment" or "Pay Now" — the exact wording depends on which platform you are using. Enter the amount you want to pay and choose your payment method: bank account (ACH transfer) or debit card. Bank account transfers are free; debit card payments may carry a fee. Review the amount and payment date, then confirm. You will see a confirmation number on screen when ready, and the payment will post to your account within one business day.

Paying by phone

Call the customer service number on the back of your Dillard's credit card. A representative will ask for your account information and the amount you want to pay. They will also ask whether you want to pay from a bank account or debit card. Bank account payments are free; debit card payments may have a fee.

The representative will give you a confirmation number before the call ends. Write it down. The payment will post to your account within one to two business days. If you do not receive a confirmation number or the representative seems uncertain about the amount, ask them to repeat it back to you before you hang up.

Paying by mail

Your monthly statement includes a payment address and a detachable coupon with your account number printed on it. Write a check or money order for the amount you owe, attach it to the coupon, and mail both to the address shown. Do not send cash through the mail.

Mail typically takes three to five business days to reach the payment processor, and another two to three days to post once it arrives. If your payment due date is fewer than seven days away, mailing is risky — the payment may not post in time to avoid a late fee. For payments close to the due date, use online or phone payment instead.

What happens if you miss the due date

Your payment due date is printed on your statement. If your payment does not post by that date, Dillard's will charge a late fee. The fee amount depends on your account terms, but it is typically $25 to $40 for the first late payment. A late payment also appears on your credit report and can lower your credit score.

If you are one or two days late, contact Comenity customer service when ready. Some late fees can be waived if you call before the next billing cycle closes. If you are more than 30 days late, the damage to your credit score is more serious, and the fee is harder to reverse. Paying on time protects both your credit and your wallet.

Automatic payments and payment plans

You can set up automatic payments through your Comenity account so that a fixed amount or your full balance is paid on a date you choose each month. Log into your account, find the "Automatic Payments" or "Recurring Payments" section, and enter your bank account information. You can change or cancel automatic payments at any time through the same section.

Automatic payments are useful if you want to avoid late fees without thinking about it each month. However, make sure your bank account has enough money on the payment date — if the payment bounces, you will still be charged a late fee and may face overdraft fees from your bank. If your income is irregular, you may want to set a lower automatic amount and make additional payments by hand when you have extra money.

Frequently Asked Questions

Can I pay my Dillard's card at a Dillard's store?

No. Dillard's stores do not accept credit card payments in person. You must pay through Comenity online, by phone, or by mail. Some Dillard's locations have customer service desks that can provide you with payment information, but they cannot process the payment themselves.

What if I pay more than I owe?

The extra amount becomes a credit on your account and will be applied to your next statement. You can also request a refund by calling Comenity customer service, though this may take one to two weeks. If you have a large overpayment, a refund is usually faster than letting it sit as a credit.

Is there a fee for paying online?

No fee if you pay from a bank account (ACH transfer). Paying with a debit card may carry a fee of $1 to $3, depending on Comenity's current terms. Check the payment screen before you confirm to see whether a fee applies to your chosen method.

How do I know if my payment posted?

Log into your Comenity account and check your account balance and recent transactions. Online and phone payments show up within one business day; mailed payments take five to seven days. If you paid online or by phone, you also received a confirmation number at the time of payment.

What if I cannot pay the full balance?

You can pay any amount above the minimum payment shown on your statement. However, any balance you do not pay will accrue interest at your card's APR. Paying more than the minimum reduces the interest you owe and gets you out of debt faster, but even a minimum payment on time protects your credit score.