How to pay your Scheels Card

You can pay your Scheels Card bill online through your account, by phone, by mail, or in person at a Scheels store. The fastest way is online through the Scheels website or mobile app — you log in, select your account, and submit a payment in minutes. If you prefer to speak with someone, you can call the customer service number on the back of your card. Payments by mail take 7 to 10 business days to reach the processor, so mail early if your due date is soon.

Your payment goes to the card issuer (Synchrony Bank), not to Scheels itself. This matters because the mailing address for payments is different from the Scheels store address. Using the wrong address delays your payment and may result in a late fee. Always use the payment address printed on your statement or the one provided when you call customer service.

Key Takeaways

  • Online payment through the Scheels website or app is the fastest method and posts to your account within one business day.
  • Payments by mail take 7 to 10 business days, so send them at least two weeks before your due date to avoid late fees.
  • Your payment goes to Synchrony Bank (the card issuer), not to Scheels, so use the payment address on your statement.
  • You can also pay by phone by calling the number on the back of your card if you need help or prefer not to pay online.
  • Late payments trigger a fee and can raise your interest rate, so set a reminder for your due date or sign up for automatic payments.

Paying online through your account

Log into your Scheels Card account on the Scheels website or open the Scheels mobile app. Go to the account or payments section and select "Make a Payment." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose your payment method (debit card or bank account) and confirm the transaction. The payment posts within one business day.

Online payments are free and have no processing fee. You can also set up automatic payments so the same amount withdraws from your bank account on the same day each month. This prevents missed due dates and late fees. To set up autopay, go to the payments section and select "Automatic Payments," then choose your amount and payment date.

Paying by phone

Call the customer service number on the back of your Scheels Card. A representative will ask for your account number and the amount you want to pay. They will also ask for your payment method — either a debit card or bank account information. Phone payments are processed the same day and post within one business day. There is no fee for paying by phone.

Phone payments are useful if you have questions about your balance, need help setting up a payment plan, or prefer not to pay online. Customer service is available during business hours. If you call after hours, you can leave a message or use the automated phone payment system if your card issuer offers one.

Paying by mail

Write a check or money order and mail it to the address printed on your statement. Include your account number on the check. Mail payments take 7 to 10 business days to arrive and be processed, so send your payment at least two weeks before your due date. If you mail a payment close to your due date, it may arrive after the important date and trigger a late fee even though you sent it on time.

Always use the mailing address on your statement or call customer service to confirm the correct address. Sending a payment to a Scheels store location will delay it significantly. Keep a record of when you mailed the payment in case there is a dispute about whether it arrived on time.

Paying in person at a Scheels store

Some Scheels locations accept in-person payments at the customer service desk. Call your local Scheels store to confirm they offer this service before you visit. Bring your Scheels Card or account number and the payment amount in cash or check. In-person payments post within one business day. This option is useful if you prefer to handle payments face-to-face or do not have online or phone access.

Not all Scheels locations accept card payments, so calling ahead saves you a trip. If your store does not offer in-person payments, use online, phone, or mail instead.

What happens if you miss a payment

If your payment does not arrive by the due date, you will be charged a late fee. The amount varies but typically ranges from $25 to $40 for the first late payment. Your interest rate may also increase if you miss a payment. If you miss a payment by more than 30 days, the late payment appears on your credit report and can lower your credit score.

If you realize you will miss a due date, contact Scheels Card customer service when ready. Some issuers will waive a late fee if you call before the payment is due and explain your situation. The sooner you contact them, the better your chances of avoiding the fee.

Setting up automatic payments to avoid late fees

Automatic payments withdraw money from your bank account on a date you choose each month. You can set them up through your online account or by calling customer service. You can choose to pay the full balance, the minimum payment, or a fixed amount. If you choose a fixed amount, make sure it is at least the minimum payment so you do not miss a payment.

Automatic payments are free and remove the risk of forgetting your due date. You can change or cancel them anytime through your account. If your bank account does not have enough money on the payment date, the payment will fail and you may be charged a late fee, so make sure your account has sufficient funds.

Frequently Asked Questions

How long does it take for an online payment to show up?

Online payments post to your account within one business day. If you pay on a Friday evening, it may not post until Monday. If your due date is the next day, pay a few days early to make sure the payment arrives on time.

Can I pay my Scheels Card with a credit card?

Most card issuers do not allow you to pay with another credit card because it counts as a cash advance and triggers fees. You can pay with a debit card or by transferring money from your bank account. Call customer service to confirm what payment methods your issuer accepts.

What is the difference between the minimum payment and the full balance?

The minimum payment is the smallest amount you must pay to avoid a late fee — usually 1 to 3 percent of your balance. The full balance is everything you owe. Paying only the minimum means you carry a balance and pay interest. Paying the full balance avoids interest charges.

What if I pay more than I owe?

If you overpay, the extra amount becomes a credit on your account and reduces your next bill. You can also request a refund of the overpayment by calling customer service, though some issuers charge a small fee for refunds.

Can I change my payment due date?

Many card issuers allow you to change your due date through your online account or by calling customer service. Changing your due date does not affect your current bill — it changes when future payments are due. Some issuers charge a small fee for this change.