If you’re carrying credit card debt connected to Dick’s Sporting Goods, you’re not alone. Store cards can make purchases feel more manageable, but balances can grow when interest charges begin or when other monthly expenses tighten the budget.

Money Fit is not affiliated with Dick’s Sporting Goods. We’re a nonprofit credit counseling organization that helps consumers review realistic options for managing credit card debt and understanding what steps may make sense next.

What to expect when managing Dick’s Sporting Goods credit card debt

Managing Dick’s Sporting Goods credit card debt usually involves understanding which account type you have, how interest is applied, and how minimum payments affect long-term costs.

• Rates and terms vary by account type and issuer.
• Minimum payments may keep balances active longer when interest is high.
• Promotional offers may end, which can change how quickly interest adds up.

How nonprofit credit counseling fits in

In nonprofit credit counseling, a certified counselor reviews your full financial picture. If appropriate, they may contact participating creditors to request reduced interest rates or certain fee relief through a Debt Management Plan (DMP).

• Your budget and unsecured debts are reviewed in detail.
• If suitable, one monthly payment may replace multiple card payments.
• Support continues as the plan progresses.

Eligibility and terms vary by creditor and account. We explain what applies before you decide.

When to contact Dick’s Sporting Goods directly

For store purchases, returns, rewards, or account access tied to your Dick’s Sporting Goods profile, contact the retailer directly. For questions about the credit card account itself, use the contact information on your statement or the issuer’s official website.

Dick’s Sporting Goods credit card debt FAQs

Are you affiliated with Dick’s Sporting Goods?

No. Money Fit is a nonprofit credit counseling organization and is not affiliated with Dick’s Sporting Goods. Like many nonprofits, we may receive grant funding or industry support to expand financial education and counseling services. Such funding is not guaranteed and does not influence our guidance or recommendations.

Will Dick’s Sporting Goods work with a Debt Management Plan?

Store-branded cards are typically serviced by a card issuer. Whether a Dick’s Sporting Goods credit card account can be included in a Debt Management Plan depends on the issuer, the account type, and current creditor participation. Your counselor will review this with you and explain what applies before you decide.

Will counseling require a hard credit pull?

No. Credit counseling reviews are based on the information you provide about your finances. A hard credit inquiry is not required.

Is a Debt Management Plan the same as debt settlement?

No. A DMP focuses on organized repayment. Debt settlement involves negotiating to pay less than you owe and carries different risks.

Can I keep using my Dick’s Sporting Goods card during a plan?

Accounts enrolled in a Debt Management Plan are closed when the plan begins. This helps prevent new balances from being added and allows the repayment plan to stay on track. Your counselor will explain how this works and which accounts are included before you decide.

---

Last reviewed: January 2026  |  URL: /dicks-sporting-goods-credit-card/