"Forget Dillards"
Dillards™ Credit Card Review
Written by: paula on 2007-08-28
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
paula's review: 
I applied for this card and closed it within a month. I was excited when I was instantly approved online but it turns out the limit was for only $200.00. Within three weeks I charged $175.00 and paid it in full before the payment due date and before a statement even generated. When I went to use the card it was declined. I called Dillard's to find out why the card was declined and I was told because I was charging more then what was available. I explained to the customer service rep that I had already paid the balance in full ($75.00 online at the Dillard's website and $100.00 online through my bill pay from my bank account. I was told that even though both payments had posted to the account there was still a 21 day hold to guarantee that the payments cleared. How crazy is that, if I made a payment directly online at the Dillard's website and it's an automatic debit from my checking account why would there be a 21 day old. To make a long story short, I told the rep to close the account, it just wasn't worth the hassle.
I applied for this card and closed it within a month. I was excited when I was instantly approved online but it turns out the limit was for only $200.00. Within three weeks I charged $175.00 and paid it in full before the payment due date and before a statement even generated. When I went to use the card it was declined. I called Dillard's to find out why the card was declined and I was told because I was charging more then what was available. I explained to the customer service rep that I had already paid the balance in full ($75.00 online at the Dillard's website and $100.00 online through my bill pay from my bank account. I was told that even though both payments had posted to the account there was still a 21 day hold to guarantee that the payments cleared. How crazy is that, if I made a payment directly online at the Dillard's website and it's an automatic debit from my checking account why would there be a 21 day old. To make a long story short, I told the rep to close the account, it just wasn't worth the hassle.1 Comment
Comment 1 by adicus
FYI.... 
on 2007-10-24
Dillard's does a hold on most payments whether it's online or bill pay. Just is just a pre-caution for new accounts. Once you have made consecutive payments with by the same method they wont place a hold anymore. All you have to do is call the Customer Service Center and have them remove the hold.(This only applies if your account is current). I hope this will help.
on 2007-10-24 Dillard's does a hold on most payments whether it's online or bill pay. Just is just a pre-caution for new accounts. Once you have made consecutive payments with by the same method they wont place a hold anymore. All you have to do is call the Customer Service Center and have them remove the hold.(This only applies if your account is current). I hope this will help.
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Disclaimer: This content is not provided by Wells Fargo. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Wells Fargo. Review content is powered by Finance Globe.
