Dillard offers two credit cards, one is store branded card, and other is affiliated with American Express. It is the best option for people who don’t have a high credit score for approval. If you are planning to start out on credit, or you are thinking to rebuild your credit, then Dillard Credit Card is the best option for you.
1. Why Dillard’s Credit Card ?
Dillard’s Credit Card is a store reward card that offers rebates on particular purchases or band merchandise. It is intended for customers with acceptably fair credit background. Dillard Credit Card’s offered APR varies depending on the credit worthiness, ranging from 22.99 percent to 24.99 percent. No introductory APR is charged, and you would have to pay the stated APR by the end of grace period. Card charges absolutely no annual fee.
1.1 How Dillard’s Credit Card Works ?
You can use your Dillard’s Credit Card while shopping online, in store, telephonically, or via catalog at Dillard’s stores. You can also use its amex version at US grocery stores and gas stations. Besides that, you can earn various benefits and enjoy reward programs offered by Dillard Credit Card by earning points through shopping.
1.2 The benefit and limitations of Dillard’s Credit Card
You can enjoy a number of benefits offered by Dillard’s Credit Card . But, have a look on associated limitations also before reaching the final decision.
1.2.1 Benefits of Dillard’s Credit Card
- No annual fee.
- You can earn 2 points by spending $1 at any of the Dillard’s store.
- You can earn 2 points per $1 spent at gas stations or grocery stores.
- You can earn 1 point per $1 spent by using its amex version anywhere.
- Upon earning 1,500 points, you can earn rewards by your choice: $10 reward certificate or 10 percent off shopping pass.
- Upon receiving Elite Status, you are invited to private shopping events, in the case of amex version, you can have access to pre-sale tickets, hotel, airfare and cruise savings.
1.2.2 Limitations of Dillard’s Credit Card
- Dillard’s Credit Card doesn’t allow the balance transfer
- It is a store credit card, and its acceptance is dependent upon the merchandiser.
- Interest charges, Cash advances, fees, or cash equivalents like traveler’s checks and money orders don’t qualify for Rewards Points.
More Details please follow the link below:
|Rewards||You choose your reward: either $10 merchandise certificate or 10% rewards shopping pass for the day of your choice. American Express card offers extra perks such as automatic extended warranty and retail protection and emergency travel assistance.|
|Signup Bonus||Earn a 10% rewards shopping pass when you open an account and charge at least $100.|
|Telephone||Customer Support – Call 1-800-643-8278 for store card support. Call 1-866-834-6294 for American Express card support.|
|Mailing Address||Dillard’s Card Services P.O. Box 522 Des Moines, IA 50306|
|Cardmember Agreement||click here to view the PDF file|
|Cash Advance APR||N/A for store card. For American Express card, 26.99% APR.|
|Cash Advance Fee||N/A for store card. For American Express card, either $10 or 4% of the advance-whichever is greater.|
|Late Payment Fee||Up to $37.|
|Purchases APR||For store card, either 22.99% or 24.99% APR depending upon your creditworthiness. For American Express card, 9.99% to 24.99% APR depending upon your creditworthiness.|
2. How to Apply for Dillard’s Credit Card ?
It is really simple to get registered for Dillard’s Credit Card through an online platform. Dillard’s Credit Card has ensured process simplicity for the sake of your convenience. However, before starting the registration process, make sure that you have attained the legal age of majority as per your local territory. These are the prerequisites:
- You have attained age of majority
- You possess a social security number
- You possess a non-driver ID or a valid driver license
2.1 The Application Process
Two ways for sign up the Dillard’s credit card.
First way :To have a Dillard’s Card application mailed to you,please call us at 1-800-643-8276, and press “0”to speak to a representative.Mon – Sat, 7 am – 12 am | Sun, 10 am – 8 pm, CST.
Second way:follow the application process:
After You got the credit card.then to do The application process involves three simple steps.
First of all, you have to visit the application page of Dillard’s Credit Card . After reviewing the benefits, you can click on “Enroll Now” option to start the registration process.
In step 2, after selecting the preferred language, you have to enter the following information into online application form:
- Credit Card Number
- Social security number
- Date of birth
- Email address
After entering all this information, you enter into the final step of registration. Enter the following information and complete the process:
- 2. Terms and conditions
- 3. Create your profile
- 4. View confirmation
Click the “Continue” button and review all terms and conditions before checking the box. Submit the application if you are satisfied with all stated terms and conditions. Your application would be reviewed by concerned authorities.
2.2 The activation process
After completing the registration process, now it is time to activate your account. You have been provided an inactivated Dillard’s Credit Card . However, you can activate it by entering asked information when you would click on “Enroll Now”:
- Your username
After entering all this information, click on the blue button, ‘sign on” and agree to the terms and conditions. Lastly, create secure login credentials and your card would be activated.
3. How to login with Dillard’s Credit Card ?
3.1 How to Login ?
In order to login your online account. You would have to visit the online Dillard’s Credit Card management center and enter:
3.2 What to do if I forgot my Users ID or lost my Dillard’s Credit Card ?
However, if you happen to forget your Dillard’s Credit Card ’s user ID or password. Don’t worry. It would be retrieved by following simple steps:
In case you have forgotten your username, then click on “forgot username” and enter the following information:
- Credit card number
- Last four digits of SSN
- Date of Birth
If you have forgotten both username and password, then you would have to call at 1-800-643-8278 on any day of the week (except Sunday) from 7:00 a.m. to midnight Central Time and on Sunday, you can make a call from 10:00 a.m. to 8:00 p.m. Central Time. If you have amex version, you can call at 1-866-834-6294 and service is available 24/7.
If you have lost your Dillard’s Credit Card , then you are advised to immediately contact at toll-free number 1-800-345-5273. Alternatively, you can contact Dillard store to notify the issue. But, save your credit card number with you.
4. Most popular FAQs
Are you facing trouble in understanding some feature and want a clearer answer? Visit the online Dillard’s Credit Card ’s FAQ platform and most probably, you will figure out the answer to your question. In case, you have a more technical/specific query, make a call at 1-800-643-8278 to get in touch with a customer representative.
5. How to Cancel Dillard’s Credit Card ?
In order to cancel your Dillard’s Credit Card , simply call on 1-800-643-8278 and notify your intention. You would be required to write and sign the affidavit and some necessary information, like your credit card number and driver license. Afterward, your request would be forwarded to concerned department and card would be canceled.
6. Dillard’s Credit Card reviews
Upon the basis of reviews given by community on Dillard’s Credit Card . Around 79 percent of the users recommend this card. Check the Dillard Card reviews online at:
Dillard’s Credit Card is a good option for you if you frequently shop at Dillard stores. Its amex version is also an excellent choice as it can be used anywhere and you can get reward points. However, make sure to pay back your dues in time to avoid the penalty of $15 minimum and maximum $37 depending upon your credit balance.