The Dillards Credit Card is targeted at consumers with bad credit who shop at Dillards in-store. Even if your credit score is good enough for a department store credit card, don't even think about this card if your credit isn't good enough for a non-deductible credit card. The interest rate on this card is very high and the rewards aren't very good and usually are only worthwhile at Dillards. The upside, other than the higher interest rate, is that you can earn free cash back when you use your card at their stores. On the downside, you pay an annual fee.
What do you do if you have a good credit score but you don't have a lot of cash on hand? You can open a Dillards Credit Card Account. This works much like an ordinary credit card account. You make purchases using your card, and you pay the appropriate amount monthly. When your account is full, you pay an additional amount to close out the account and then you're charged interest based on the balance that remained in your account.
You're better off opening a Dillards credit card account online. This can make things easier because you won't have to leave your house to complete the transaction. You can simply follow the instructions given by the company on their website. They may offer you an online account if you're unable to open an account at their bank. Or you may be able to set up an online account with the company itself or with a third party financial institution that does business with them.
Once you have an online account, you can then choose which purchases you wish to make with your Dillards Credit Cards. You can either pay for these items instantly through your bank account or you can allow the company to debit your bank account for the amount of purchase price. Either way, you'll find that using their services makes it very easy to make purchases. Your statements will no longer be stuffed in the filing cabinet, and you won't dread heading to the bank.
The online account allows you to manage your Dillards Credit Cards in a better way than if you had it tied to a bank account. There's no need to remember every single . . . . . . credit card number. In fact, if you don't use your card too much, you probably won't need to keep track of it at all. The online account will keep track of when you've used your cards, what purchases were made, and you can even go so far as to allow them to automatically deduct money from your bank account.
If you're happy with this setup, you can be rest assured that your credit card is truly yours. There's no added charge for a Dillards Credit Card. You can even cancel the account at any time without suffering any penalty or fees. It's simply a matter of convenience and security. So if you haven't already established one, you should do so today. You'll be glad you did when you're the proud owner of a credit card that doesn't add up to much of anything!