In 2024, Dillard’s made significant changes to its credit card program, transitioning from Wells Fargo to Citi as its primary card issuer. This comprehensive guide covers everything you need to know about managing and paying your Dillard’s credit card, including payment methods, important deadlines, and essential account management tips.
Recent Changes to Dillard’s Credit Card Program
The most significant update for Dillard‘s cardholders is the transition from Wells Fargo to Citi as the card issuer. This change, effective September 16, 2024, brought several important modifications:
- All existing Wells Fargo-issued cards stopped working
- Payment network changed from American Express to Mastercard
- New card numbers issued to all cardholders
- Updated online account management system
- New payment processing procedures
Available Payment Methods
1. Online Payments
The most convenient way to pay your Dillard’s credit card bill is through the online portal. Here’s how to make an online payment:
- Visit Citi’s online banking portal
- Log in to your account using your credentials
- Navigate to the “Payments” section
- Select “Make a Payment”
- Choose your payment amount
- Select your payment date
- Enter your bank account information
- Review and confirm your payment
Pro Tip: First-time users need to register for online access using their card number, personal information, and Social Security number.
2. Phone Payments
For those who prefer speaking with a representative or using an automated system:
- Automated System: Call 1-800-643-8278
- Available 24/7
- Follow voice prompts to submit payment
- Have your card number and bank account information ready
3. Mail Payments
You can mail your payment to the appropriate address based on your location:
You can mail your payment to the appropriate address based on your location:
West Coast:
Dillard’s/Citi
P.O. Box 51193
Los Angeles, CA 90051-5493
Midwest:
Dillard’s/Citi
P.O. Box 77053
Minneapolis, MN 55480-7753
East Coast:
Dillard’s/Citi
P.O. Box 71118
Charlotte, NC 28272-1118
Important Mail Payment Tips:
- Never send cash
- Include your account number on your check
- Allow 7-10 business days for processing
- Consider certified mail for tracking purposes
4. In-Store Payments
Payments can be made at any Dillard’s location:
- Visit the customer service desk
- Bring your card or account number
- Available payment methods include cash, check, or debit card
- Immediate posting to your account
Payment Scheduling and Management
Setting Up Automatic Payments
Citi offers an automatic payment feature that helps ensure you never miss a due date:
- Log in to your online account
- Navigate to “Account Services”
- Select “AutoPay Setup”
- Choose payment preferences:
- Minimum payment
- Statement balance
- Custom amount
- Select payment date
- Enter bank account information
- Confirm setup
Payment Timing and Processing
Understanding payment processing times is crucial:
- Online payments: 1-2 business days
- Phone payments: 1-2 business days
- Mail payments: 5-7 business days
- In-store payments: Same day
Managing Your Dillard’s Credit Card Account
Online Account Features
The Citi online portal offers several account management tools:
- View statements and transaction history
- Download account activity
- Update personal information
- Set up account alerts
- Request credit line increases
- Dispute charges
- Access reward point information
Mobile App Access
Citi’s mobile app provides convenient account management:
- Available for iOS and Android devices
- Fingerprint/Face ID login options
- Mobile payment capabilities
- Push notifications for account updates
- Digital wallet integration
Understanding Fees and Charges
Late Payment Policies
- Payment due date: At least 21 days after statement closing
- Late fee: Up to $41
- Penalty APR may apply after late payments
- Impact on reward points and Elite status
Other Important Fees
- Return payment fee: Up to $41
- Cash advance fee: 5% or $10, whichever is greater
- Foreign transaction fee: 3%
Rewards Program Management
Point System Overview
- 2 points per $1 at Dillard’s
- 2 points per $1 at gas stations and supermarkets (Mastercard only)
- 1 point per $1 on other purchases (Mastercard only)
- 1,500 points = Choice of $10 reward certificate or 10% shopping pass
Elite Status Benefits
Requirements and benefits:
- Spend $2,000+ annually to qualify
- Exclusive bonus point offers
- Complimentary gift wrapping
- Free standard shipping
- Special event invitations
Troubleshooting Common Issues
Payment Problems
Solutions for common payment issues:
- Payment not posting
- Late payment concerns
- Returned payment resolution
- Payment amount adjustments
- Authorization holds
Account Access Issues
Steps to resolve access problems:
- Password reset procedures
- Account lockout resolution
- Technical support contact information
- Identity verification requirements
Customer Service and Support
Contact Information
Multiple ways to get help:
- Phone: [Current customer service number]
- Online chat: Available through account portal
- Secure messaging: Through online account
- Social media support: Twitter and Facebook
- In-store assistance: Any Dillard’s location
Dispute Resolution
Process for handling account disputes:
- Gather transaction information
- Contact customer service
- Submit required documentation
- Follow up procedures
- Resolution timeframes
Conclusion
Managing your Dillard’s credit card payments effectively requires understanding the available payment methods, timing considerations, and account management tools. With the recent transition to Citi, cardholders have access to enhanced features and payment options. Remember to:
- Choose the payment method that best suits your needs
- Set up automatic payments to avoid late fees
- Monitor your account regularly
- Contact customer service promptly with any issues
- Take advantage of online and mobile banking features
For the most current information about your Dillard’s credit card account, visit Citi’s website or contact customer service directly.
Frequently Asked Questions
Q: What should I do if my payment is late?
A: Contact customer service immediately to discuss options. Late fees may be waived for first-time occurrences, and you can explore expedited payment options to minimize impact.
Q: How long does it take for a payment to post?
A: Payment posting times vary by method: same day for in-store payments, 1-2 business days for online/phone payments, and 5-7 business days for mail payments.
Q: Can I make a payment if I’m traveling internationally?
A: Yes, you can access your account and make payments online from anywhere. Remember to notify Citi of your travel plans to prevent card disruption.
Q: What happens if my automatic payment fails?
A: Citi will notify you of the failed payment. You should make a manual payment immediately and verify your bank account information is correct.
Q: How do I change my payment due date?
A: Contact customer service to request a due date change. This can usually be adjusted once per year to better align with your payment schedule.
