Quick Answers
There are a few quick and easy ways to check your Dillard’s credit card balance:
- Check online – Log into your Dillard’s Card account at dillards.com to see your current balance, payment history, etc.
- Check the Dillard’s app – Download the Dillard’s app and log in to view your balance and account details.
- Call customer service – Call 1-800-345-5273 to speak with a Dillard’s representative who can provide your balance.
- Check your statement – Review your monthly paper or online statement for your current balance information.
Checking Your Balance Online
The easiest way to check your Dillard’s credit card balance is online. Here’s how:
- Go to www.dillards.com and click “Sign In” in the top right corner.
- Enter your username and password and click “Sign In.” This will log you into your Dillard’s Card account.
- On the account overview page, you will see your current balance, available credit, recent transactions, and more.
- You can also view details like your payment history, statements, payment options and account settings by using the menu.
Checking your balance online allows you to see your most up-to-date account information 24/7. As long as you have an internet connection, you can log in at any time to view your balance.
Other Online Account Options
In addition to checking your balance, you can also use the Dillard’s Card online account to:
- View past statements and transaction histories
- Make one-time payments
- Set up recurring autopay payments
- Update your account and contact information
- Report cards lost or stolen
- View special offers and cardmember rewards
Using the Dillard’s Mobile App
Dillard’s also offers a mobile app so you can manage your account on the go. The app is free and available for both Apple iOS and Android devices.
To check your balance via the app:
- Download and install the Dillard’s app from the App Store or Google Play.
- Launch the app and tap “Account” at the bottom.
- Enter your Dillard’s username and password and tap “Sign In.”
- Your current balance will be displayed at the top of the screen.
Like the online account, the Dillard’s app also lets you view statements, make payments, see transactions and rewards, find Dillard’s locations, and more.
Benefits of Using the Mobile App
- Convenient – Check your balance anytime, anywhere right from your smartphone.
- Instant notifications – Get notified of new charges, payments, and account alerts in real-time.
- Easy payments – Make one-time or recurring payments through the app.
- Accessibility – Manage your account even without your card or statements handy.
Calling Dillard’s Customer Service
You can also check your Dillard’s credit card balance by calling customer service:
- Call 1-800-345-5273 – this is the number on the back of your Dillard’s Card.
- When prompted, select the option to check your card balance.
- You will need to provide your full account number, name, and potentially other verifying details.
- A customer service representative will then provide your current balance.
Calling in is useful if you need your balance immediately and don’t have online or mobile access. However, phone balances do not always reflect real-time transaction data. The online and mobile options are better for getting your most up-to-date balance information.
Other Customer Service Options
When you call Dillard’s Card Services, you can also:
- Speak to a representative about account questions or issues
- Set up a payment plan for your balance
- Request a credit limit increase
- Close your account
- Dispute charges or report unauthorized transactions
Checking Your Monthly Statement
Dillard’s provides monthly statements for your account by mail or online. You can check your balance by reviewing your latest statement. Statements include:
- Opening and closing balances for the month
- Your minimum payment due
- All transactions made that month
- Interest charges, fees, and credits
- Customer service contact information
To check your balance via your statement:
- Log into your online account to view electronic statements.
- OR check your physical mailbox for a paper statement if you don’t use e-statements.
- Find your current balance on the first page.
- Review the itemized transactions and totals to verify the balance amount.
Statements are a great way to monitor account health and activity each month. However, they only provide a monthly snapshot, not your daily up-to-date balance. Use online, mobile, or phone options for real-time info.
Setting Up Online Statements
To access electronic statements and reduce paper clutter:
- Log into your Dillard’s Card account online
- Go to “Statements” in the menu
- Click to enroll in e-statements
- Agree to the terms and conditions
You will receive an email each month when your new e-statement is ready to view. Make sure to keep your email address updated.
Tips for Tracking Your Balance
Here are some tips to make monitoring and managing your Dillard’s credit card balance easier:
- Set up account alerts – Get notified when your balance reaches a certain level.
- Pay in full each month – Avoid interest by paying your statement balance on time.
- Create a budget – Know what you can realistically afford to spend each month.
- Automate payments – Set recurring payments so you never miss a bill.
- Review transactions frequently – Check for fraudulent or incorrect charges.
Keeping a close eye on your balance helps you use your credit responsibly. Make paying on time and staying under your credit limit a priority.
Understanding Your Dillard’s Credit Card
Dillard’s credit cards, also called Dillard’s Cards or Dillard’s charge cards, are store credit cards that can be used to make purchases at Dillard’s. A few key facts:
- Issued by Wells Fargo – Dillard’s credit cards are serviced by Wells Fargo bank.
- Revolving credit line – This acts like a credit card with varying balances.
- Monthly statements – Statements are sent out detailing balances, payments, and transactions.
- Must be repaid – Minimum monthly payments are required based on the balance.
- Interest and fees – Charged on any unpaid balances carried over month to month.
Dillard’s Cards provide a convenient way to finance purchases at Dillard’s stores. However, they have high interest rates, so balances should be paid quickly.
Types of Dillard’s Credit Cards
There are a few varieties of Dillard’s credit cards:
- Dillard’s American Express Card – Can be used anywhere American Express is accepted.
- Dillard’s Visa Card – For wider acceptance where Visa cards are taken.
- Dillard’s Private Label Card – Can only be used at Dillard’s stores.
- Dillard’s Rewards Card – Earns reward points on Dillard’s purchases.
Customers can choose the card that best suits their needs and shopping habits.
| Card Type | Can Be Used At | Benefits |
|---|---|---|
| Dillard’s American Express Card | Dillard’s and anywhere American Express is accepted | Use anywhere AmEx is taken, AmEx benefits and protections |
| Dillard’s Visa Card | Dillard’s and anywhere Visa is accepted | Wide acceptance, Visa benefits and security |
| Dillard’s Store Card | Only at Dillard’s stores | Simple, for Dillard’s loyalists only |
| Dillard’s Rewards Card | Dillard’s stores | Earn rewards points on purchases |
Getting a Dillard’s Store Credit Card
If you don’t already have a Dillard’s credit card, you can apply in a few different ways:
- Apply online – Fill out the application form at dillards.com. Quick and easy.
- Apply in-store – Stop by the credit desk at any Dillard’s location.
- Apply by phone – Call 1-800-345-5273 to apply with a representative.
You will need to provide personal information such as your:
- Name
- Address
- Date of birth
- Social Security Number
- Income
The process only takes a few minutes. If approved, you can begin using your new Dillard’s credit card immediately.
Qualification Criteria
To qualify for a Dillard’s credit card, you will need:
- Good credit – FICO scores above 670 have the best approval odds.
- Sufficient income – Stable income that covers your regular living expenses.
- No recent bankruptcies – Bankruptcies negatively impact applications.
- Limited new credit inquiries – Too many new accounts can be a red flag.
- Low existing credit utilization – Keep balances on other cards low.
Meeting these criteria demonstrates your creditworthiness and that you can responsibly manage a new credit line.
Using Your Dillard’s Card Responsibly
Once you have a Dillard’s credit card, be sure to use it wisely:
- Pay on time – Pay at least the minimum by the due date to avoid penalties.
- Pay in full – Settle your balance completely each month to avoid interest.
- Stay under the limit – High balances hurt your credit score.
- Review statements – Check for errors or fraudulent charges.
- Set up alerts – Get notifications for key account activity via email/text.
Using your card responsibly helps protect your credit score and ensures you earn the card’s benefits without extra costs. Monitor your spending closely and make education payments on time.
Avoiding Fees
Dillard’s credit cards have the following common fees to be aware of:
- Late payment fee – Up to $38
- Returned payment fee – Up to $38
- Foreign transaction fee – 3%
You can avoid fees by paying at least the minimum by the due date, maintaining sufficient account funds, and only using the card domestically. Read the terms and conditions for full fee details.
Closing Your Dillard’s Credit Card
If you no longer wish to keep your Dillard’s credit card, you can close the account via:
- Online – Log in and select the close account option.
- Phone – Call customer service and request account closure.
- Mail – Send a written request to the customer service address.
Before closing, repay any outstanding balance in full to avoid interest and penalties. Once closed, you will no longer be able to use the card for purchases.
Alternatives to Closing Your Account
Instead of closing your account altogether, consider these alternatives:
- Lower credit limit – Reduce your limit to control spending.
- Account inactivity – Simply stop using the card.
- Balance transfer – Transfer any balance to another card.
This allows you to maintain your credit history and available credit while minimizing or eliminating use of the card.
Conclusion
Checking your Dillard’s credit card balance is quick and easy through the online account, mobile app, customer service, or statements. Monitor your balance regularly and pay on time to avoid interest fees. Use your Dillard’s Card wisely and manage it responsibly in alignment with your budget. Careful account management helps ensure this credit line remains a useful financing tool.
