Where and how to send a Scheels credit card payment

Scheels credit card payments can be made online through your cardholder account, by phone, by mail, or in person at a Scheels store. The method you choose depends on how quickly you need the payment to post and whether you prefer digital or paper-based transactions.

Online payments through the Scheels website or mobile app are the fastest route — they typically post within one business day. Phone payments go through the card issuer's automated system or a customer service representative. Mail payments take seven to ten business days to arrive and post, so you must account for that delay when paying close to your due date. In-store payments at a Scheels location are processed when ready but are only available during store hours.

Key Takeaways

  • Online payments through your Scheels account post within one business day and carry no fees.
  • Phone payments can be made 24/7 through an automated system or by speaking to a representative.
  • Mailed payments take seven to ten business days to arrive, so send them at least two weeks before your due date to avoid a late fee.
  • In-store payments at Scheels locations are processed the same day but only available during business hours.
  • Your payment due date and minimum payment amount appear on your monthly statement and in your online account.

Setting up online payments through your Scheels account

To pay online, log into your Scheels credit card account on the Scheels website or open the Scheels mobile app. Look for a "Make a Payment" or "Pay My Bill" option in the account menu. You will enter the amount you want to pay and confirm the payment date — you can schedule a payment for today or a future date.

Online payments do not charge a fee. If you set up a recurring payment, the same amount will be deducted on the date you choose each month, which can help you avoid missing a due date. You can change or cancel a recurring payment at any time through your account settings before the scheduled payment date.

Paying by phone

The phone number for Scheels credit card payments appears on your monthly statement and on the back of your card. You can call 24 hours a day, seven days a week. An automated system will guide you through entering your card number and payment amount, or you can press an option to speak to a representative.

Phone payments are processed the same day you call, though the payment may take one to two business days to post to your account. There is no fee for paying by phone. Have your statement or card number ready when you call, and note the confirmation number the system provides.

Mailing a check or money order

The mailing address for Scheels credit card payments is printed on your monthly statement. Mail your check or money order to that address, and write your account number on the check. Do not mail cash.

Mailed payments typically take seven to ten business days to arrive and post to your account. If your due date is fewer than ten days away, a mailed payment may not arrive in time to avoid a late fee. To be safe, mail payments at least two weeks before the due date. If you are paying close to the important date, use online or phone payment instead.

Paying in person at a Scheels store

You can make a payment at the customer service desk of any Scheels store during store hours. Bring your credit card or account number and the amount you want to pay. The payment is processed when ready and posts to your account the same day.

In-store payments do not charge a fee. Store hours vary by location, so check the Scheels website or call your nearest store before you go. This option works well if you are already shopping at Scheels or live near a store, but it is not the fastest method if you need to make a payment urgently.

What happens if you miss a payment or pay late

A payment is considered late if it arrives after your due date. Late payments trigger a late fee, which appears on your next statement. The amount of the late fee depends on your card's terms, which are in your cardholder agreement.

Late payments also affect your credit report. After 30 days past due, the payment is reported to credit bureaus and may lower your credit score. If your payment is more than 60 days late, the card issuer may freeze your account or demand full repayment of your balance. If you know you will miss a due date, contact Scheels customer service before the date arrives — they may be able to work with you on a payment arrangement.

Frequently Asked Questions

How do I know my payment due date?

Your payment due date appears on your monthly statement and in your online account. It is usually the same date each month. You can also call the customer service number on the back of your card to confirm your due date.

Can I pay more than the minimum amount?

Yes. You can pay any amount up to your full balance using any payment method. Paying more than the minimum reduces the interest you owe and helps you pay off the balance faster.

Is there a fee for paying online or by phone?

No. Scheels does not charge a fee for online or phone payments. Some third-party payment processors may charge a fee if you use them to pay, so pay directly through Scheels to avoid extra charges.

What if I want to set up automatic payments?

Log into your online account and look for an option to set up a recurring or automatic payment. You choose the amount and the date each month. You can change or cancel automatic payments anytime before the scheduled payment date.

How long does it take for a payment to show up in my account?

Online and phone payments post within one business day. In-store payments post the same day. Mailed payments take seven to ten business days. Business days do not include weekends or holidays.